Lake Butler (Union), FL
Lake Butler (Union), FL's wildfire risk, in USFS's own numbers
USFS scores Lake Butler (Union) at the 85th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 989 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Lake Butler (Union) at the 86th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Lake Butler (Union)'s buildings actually sit
Most of Lake Butler (Union)'s buildings (55.9%) sit in the Indirect zone, where wind-blown embers rather than flame front are the mechanism USFS is scoring — ember-resistant vents and non-combustible roofing are the interventions this pattern favors, more than defensible space alone.
How Lake Butler (Union) compares
Lake Butler (Union)'s 85th national percentile looks worse in isolation than its 62nd ranking inside Florida does — this place is on the milder end for its own state, by 22 points. Among the 31,521 US communities USFS scores, Lake Butler (Union) ranks 4,884 for wildfire risk (1 is highest) and 12,014 by building count (1 is largest). Within Florida alone, it ranks 360 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, Lake Butler (Union) 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.
Lowering exposure, not just insuring around it
With ember exposure the dominant pattern in Lake Butler (Union) (55.9% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
Lake Butler (Union)'s 85th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Lake Butler (Union), see the exposure-zones guide.