Lake Clarke Shores, FL
Lake Clarke Shores wildfire risk explained
Lake Clarke Shores sits at the 48th percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 1,283 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Lake Clarke Shores's burn probability — fire likelihood with no building count factored in — sits at the 52nd percentile nationally.
What "at risk" means for the buildings here
Most of Lake Clarke Shores's buildings (98.3% of 1,283) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
How Lake Clarke Shores compares
Lake Clarke Shores ranks lower within Florida (3rd percentile statewide) than its 48th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Lake Clarke Shores ranks 16,444 for wildfire risk (1 is highest) and 10,173 by building count (1 is largest). Within Florida alone, it ranks 929 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Shopping for coverage in Lake Clarke Shores
At the 48th national percentile, Lake Clarke Shores rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
Lake Clarke Shores's 98.3% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
Where Lake Clarke Shores's figures come from
Lake Clarke Shores's 48th-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 Clarke Shores's dominant minimal exposure actually means, with real examples from across the dataset.