Eagle Lake, FL
Eagle Lake, FL's wildfire risk, in USFS's own numbers
Eagle Lake sits at the 87th percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 1,137 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Eagle Lake at the 89th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Eagle Lake's building exposure, zone by zone
USFS classifies 65.7% of Eagle Lake's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 32.4% Direct and 1.9% Indirect — a landscape-level risk rather than a building-by-building one.
Eagle Lake against the rest of the country
Eagle Lake's 87th national percentile looks worse in isolation than its 72nd ranking inside Florida does — this place is on the milder end for its own state, by 15 points. Among the 31,521 US communities USFS scores, Eagle Lake ranks 4,058 for wildfire risk (1 is highest) and 11,034 by building count (1 is largest). Within Florida alone, it ranks 267 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Eagle Lake and the insurance market
At the 87th percentile nationally, Eagle Lake carries the very high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
What would actually reduce this score
Even with 65.7% of Eagle Lake outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 1,137 counted buildings into the percentiles shown above for Eagle Lake. For more on what minimal exposure implies beyond Eagle Lake, see the exposure-zones guide.