Lady Lake, FL
Lady Lake wildfire risk explained
Lady Lake sits at the 76th percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 9,078 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Lady Lake at the 78th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Lady Lake's building exposure, zone by zone
70.6% of Lady Lake's 9,078 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 14.1% Direct and 15.3% Minimal. Vent screens and roofing material matter more here than lot clearing alone. At 9,078 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How Lady Lake compares
Inside Florida, Lady Lake sits at just the 38th percentile even though it scores 76th nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Lady Lake ranks 7,626 for wildfire risk (1 is highest) and 1,827 by building count (1 is largest). Within Florida alone, it ranks 589 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
Lady Lake's high rating (76th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Lowering exposure, not just insuring around it
Lady Lake's 70.6% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 9,078 counted buildings into the percentiles shown above for Lady Lake. For more on what indirect exposure implies beyond Lady Lake, see the exposure-zones guide.