Lake Mary Jane, FL
Lake Mary Jane, FL's wildfire risk, in USFS's own numbers
USFS scores Lake Mary Jane at the 98th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 808 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 Mary Jane at the 98th percentile, close to its 98th-percentile risk score.
What "at risk" means for the buildings here
Of Lake Mary Jane's 808 counted buildings, 97.3% carry Direct exposure and only 0.1% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
How Lake Mary Jane compares
There's little gap between Lake Mary Jane's 98th national percentile and its 98th 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 Mary Jane ranks 720 for wildfire risk (1 is highest) and 13,563 by building count (1 is largest). Within Florida alone, it ranks 21 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
At the 98th percentile nationally, Lake Mary Jane 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.
Hardening a home in Lake Mary Jane
Because Direct exposure dominates in Lake Mary Jane (97.3%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Lake Mary Jane's figures come from
The methodology guide shows exactly how USFS turned 808 counted buildings into the percentiles shown above for Lake Mary Jane. The exposure-zones guide covers what Lake Mary Jane's dominant direct exposure actually means, with real examples from across the dataset.