Lake Hart, FL
How exposed is Lake Hart to wildfire?
Out of every US place USFS scores, Lake Hart lands at the 92nd percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 332 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Lake Hart at the 92nd percentile, close to its 92nd-percentile risk score.
Where Lake Hart's buildings actually sit
USFS classifies 86.5% of Lake Hart's buildings as Direct exposure, higher than its 13.3% Indirect share and far above its 0.3% Minimal share — a profile where 287 structures sit close enough to vegetation that lot clearing matters most.
Lake Hart against the rest of the country
Lake Hart scores 92nd nationally and 85th 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 Hart ranks 2,670 for wildfire risk (1 is highest) and 20,751 by building count (1 is largest). Within Florida alone, it ranks 147 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Shopping for coverage in Lake Hart
At the 92nd percentile nationally, Lake Hart 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
Lake Hart's 86.5% 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.
Where Lake Hart's figures come from
The methodology guide shows exactly how USFS turned 332 counted buildings into the percentiles shown above for Lake Hart. The exposure-zones guide covers what Lake Hart's dominant direct exposure actually means, with real examples from across the dataset.