Interlachen, FL
How exposed is Interlachen to wildfire?
Out of every US place USFS scores, Interlachen lands at the 81st percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 890 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Interlachen at the 81st percentile, close to its 81st-percentile risk score.
What "at risk" means for the buildings here
77.9% of Interlachen's 890 buildings sit in USFS's Direct exposure zone, roughly 693 structures close enough to burnable vegetation for flame contact, not just embers — 5.7% fall in the Indirect, ember-only zone and 16.4% are Minimal.
Where Interlachen ranks
Interlachen's 81st national percentile looks worse in isolation than its 51st ranking inside Florida does — this place is on the milder end for its own state, by 30 points. Among the 31,521 US communities USFS scores, Interlachen ranks 5,919 for wildfire risk (1 is highest) and 12,808 by building count (1 is largest). Within Florida alone, it ranks 463 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Interlachen and the insurance market
Interlachen's 81st-percentile, very high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Interlachen (77.9%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Interlachen's 5,919-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Interlachen, see the exposure-zones guide.