Lake Kathryn, FL
Lake Kathryn, FL's wildfire risk, in USFS's own numbers
USFS scores Lake Kathryn at the 95th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 552 real buildings rather than raw vegetation cover. (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 Kathryn at the 95th percentile, close to its 95th-percentile risk score.
What "at risk" means for the buildings here
552 buildings are counted in Lake Kathryn, and 51.1% of them are Indirect exposure — ember-driven risk rather than the 48.9% in Direct exposure or the 0% rated Minimal.
How Lake Kathryn compares
Lake Kathryn's risk sits at a similar level relative to Florida (92nd percentile statewide) as it does nationally (95th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Lake Kathryn ranks 1,699 for wildfire risk (1 is highest) and 16,537 by building count (1 is largest). Within Florida alone, it ranks 82 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Shopping for coverage in Lake Kathryn
Lake Kathryn's very high rating (95th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Lowering exposure, not just insuring around it
With ember exposure the dominant pattern in Lake Kathryn (51.1% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Lake Kathryn's figures come from
Every one of the two percentiles behind Lake Kathryn's 1,699-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Lake Kathryn's dominant indirect exposure actually means, with real examples from across the dataset.