Lake Kerr, FL
How exposed is Lake Kerr to wildfire?
Out of every US place USFS scores, Lake Kerr lands at the 83rd percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 2,015 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Lake Kerr at the 83rd national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Lake Kerr's building exposure, zone by zone
USFS classifies 81.4% of Lake Kerr's buildings as Direct exposure, higher than its 18.5% Indirect share and far above its 0.1% Minimal share — a profile where 1,641 structures sit close enough to vegetation that lot clearing matters most.
How Lake Kerr compares
Lake Kerr ranks lower within Florida (57th percentile statewide) than its 83rd 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 Kerr ranks 5,446 for wildfire risk (1 is highest) and 7,430 by building count (1 is largest). Within Florida alone, it ranks 416 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Shopping for coverage in Lake Kerr
Lake Kerr's very high rating (83rd 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.
Hardening a home in Lake Kerr
Because Direct exposure dominates in Lake Kerr (81.4%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Lake Kerr's figures come from
Lake Kerr's 83rd-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 Kerr's dominant direct exposure actually means, with real examples from across the dataset.