La Crosse, FL
La Crosse wildfire risk explained
USFS's Wildfire Risk to Communities model puts La Crosse at the 85th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 231 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, La Crosse's burn probability — fire likelihood with no building count factored in — sits at the 85th percentile nationally.
Where La Crosse's buildings actually sit
Of La Crosse's 231 counted buildings, 100% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
How La Crosse compares
La Crosse's 85th national percentile looks worse in isolation than its 64th ranking inside Florida does — this place is on the milder end for its own state, by 21 points. Among the 31,521 US communities USFS scores, La Crosse ranks 4,753 for wildfire risk (1 is highest) and 23,758 by building count (1 is largest). Within Florida alone, it ranks 349 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 85th percentile nationally, La Crosse 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
Because Direct exposure dominates in La Crosse (100%), 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 La Crosse's 4,753-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond La Crosse, see the exposure-zones guide.