Lake Hamilton, FL
How exposed is Lake Hamilton to wildfire?
USFS scores Lake Hamilton at the 82nd national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 829 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 Hamilton at the 85th national percentile — 3 points above its risk-to-structures score, a gap driven by how much is actually built there.
Lake Hamilton's building exposure, zone by zone
50.3% of Lake Hamilton's 829 buildings sit in USFS's Direct exposure zone, roughly 417 structures close enough to burnable vegetation for flame contact, not just embers — 0% fall in the Indirect, ember-only zone and 49.7% are Minimal.
How Lake Hamilton compares
Lake Hamilton's 82nd national percentile looks worse in isolation than its 53rd ranking inside Florida does — this place is on the milder end for its own state, by 29 points. Among the 31,521 US communities USFS scores, Lake Hamilton ranks 5,731 for wildfire risk (1 is highest) and 13,352 by building count (1 is largest). Within Florida alone, it ranks 449 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 82nd percentile nationally, Lake Hamilton 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
Lake Hamilton's 50.3% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
The methodology guide shows exactly how USFS turned 829 counted buildings into the percentiles shown above for Lake Hamilton. For more on what direct exposure implies beyond Lake Hamilton, see the exposure-zones guide.