Lake Mack-Forest Hills, FL
How exposed is Lake Mack-Forest Hills to wildfire?
USFS's Wildfire Risk to Communities model puts Lake Mack-Forest Hills at the 92nd national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 696 actual buildings. (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 Mack-Forest Hills at the 93rd percentile, close to its 92nd-percentile risk score.
Lake Mack-Forest Hills's building exposure, zone by zone
Direct exposure dominates in Lake Mack-Forest Hills: 69.3% of its 696 buildings, versus 30.8% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Lake Mack-Forest Hills against the rest of the country
There's little gap between Lake Mack-Forest Hills's 92nd national percentile and its 85th percentile inside Florida, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Lake Mack-Forest Hills ranks 2,608 for wildfire risk (1 is highest) and 14,703 by building count (1 is largest). Within Florida alone, it ranks 145 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
Lake Mack-Forest Hills's very high rating (92nd 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 69.3% of Lake Mack-Forest Hills in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 696 counted buildings into the percentiles shown above for Lake Mack-Forest Hills. For more on what direct exposure implies beyond Lake Mack-Forest Hills, see the exposure-zones guide.