Kendale Lakes, FL
Kendale Lakes, FL's wildfire risk, in USFS's own numbers
Kendale Lakes sits at the 88th 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 10,627 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Kendale Lakes at the 81st national percentile — 7 points below its risk-to-structures score, a gap driven by how much is actually built there.
Kendale Lakes's building exposure, zone by zone
USFS classifies 89.1% of Kendale Lakes's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 10.9% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one. At 10,627 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How Kendale Lakes compares
Kendale Lakes's risk sits at a similar level relative to Florida (74th percentile statewide) as it does nationally (88th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Kendale Lakes ranks 3,842 for wildfire risk (1 is highest) and 1,502 by building count (1 is largest). Within Florida alone, it ranks 249 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
What this risk score means for insurance
At the 88th percentile nationally, Kendale Lakes 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 89.1% of Kendale Lakes 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 10,627 counted buildings into the percentiles shown above for Kendale Lakes. For more on what minimal exposure implies beyond Kendale Lakes, see the exposure-zones guide.