Lake Alfred, FL
How exposed is Lake Alfred to wildfire?
Lake Alfred sits at the 96th 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 2,693 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Lake Alfred's burn probability — fire likelihood with no building count factored in — sits at the 97th percentile nationally.
Lake Alfred's building exposure, zone by zone
Only 32.9% of Lake Alfred's 2,693 buildings carry Direct exposure and 20.9% carry Indirect; the remaining 46.2% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Where Lake Alfred ranks
Lake Alfred scores 96th nationally and 95th within Florida — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Lake Alfred ranks 1,229 for wildfire risk (1 is highest) and 5,941 by building count (1 is largest). Within Florida alone, it ranks 47 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 96th percentile nationally, Lake Alfred 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 46.2% of Lake Alfred 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.
Where Lake Alfred's figures come from
Lake Alfred's 96th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Lake Alfred's dominant minimal exposure actually means, with real examples from across the dataset.