Lake Mary, FL
How exposed is Lake Mary to wildfire?
Out of every US place USFS scores, Lake Mary lands at the 67th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 5,667 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 Mary at the 69th percentile, close to its 67th-percentile risk score.
Where Lake Mary's buildings actually sit
Only 34.7% of Lake Mary's 5,667 buildings carry Direct exposure and 7.1% carry Indirect; the remaining 58.2% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure. At 5,667 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Lake Mary against the rest of the country
Inside Florida, Lake Mary sits at just the 23rd percentile even though it scores 67th nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Lake Mary ranks 10,266 for wildfire risk (1 is highest) and 3,053 by building count (1 is largest). Within Florida alone, it ranks 732 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Lake Mary and the insurance market
Lake Mary's high rating (67th 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.
What would actually reduce this score
Even with 58.2% of Lake Mary outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where Lake Mary's figures come from
The methodology guide shows exactly how USFS turned 5,667 counted buildings into the percentiles shown above for Lake Mary. The exposure-zones guide covers what Lake Mary's dominant minimal exposure actually means, with real examples from across the dataset.