Lake Mystic, FL
Lake Mystic wildfire risk explained
USFS's Wildfire Risk to Communities model puts Lake Mystic at the 76th national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 428 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 Mystic at the 77th percentile, close to its 76th-percentile risk score.
What "at risk" means for the buildings here
Of Lake Mystic's 428 counted buildings, 96.3% carry Direct exposure and only 0.9% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
How Lake Mystic compares
Lake Mystic's 76th national percentile looks worse in isolation than its 39th ranking inside Florida does — this place is on the milder end for its own state, by 37 points. Among the 31,521 US communities USFS scores, Lake Mystic ranks 7,588 for wildfire risk (1 is highest) and 18,688 by building count (1 is largest). Within Florida alone, it ranks 586 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 76th percentile nationally, Lake Mystic carries the 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.
What would actually reduce this score
Because Direct exposure dominates in Lake Mystic (96.3%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Lake Mystic's figures come from
Lake Mystic's 76th-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 Mystic's dominant direct exposure actually means, with real examples from across the dataset.