Lake Panasoffkee, FL
Lake Panasoffkee wildfire risk explained
USFS scores Lake Panasoffkee at the 80th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 2,513 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Lake Panasoffkee's burn probability — fire likelihood with no building count factored in — sits at the 83rd percentile nationally.
Where Lake Panasoffkee's buildings actually sit
Of Lake Panasoffkee's 2,513 counted buildings, 65.3% carry Direct exposure and only 1.6% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Where Lake Panasoffkee ranks
Lake Panasoffkee's 80th national percentile looks worse in isolation than its 49th ranking inside Florida does — this place is on the milder end for its own state, by 31 points. Among the 31,521 US communities USFS scores, Lake Panasoffkee ranks 6,205 for wildfire risk (1 is highest) and 6,277 by building count (1 is largest). Within Florida alone, it ranks 487 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Lake Panasoffkee and the insurance market
Lake Panasoffkee's very high rating (80th 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
Lake Panasoffkee's 65.3% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where Lake Panasoffkee's figures come from
Every one of the two percentiles behind Lake Panasoffkee's 6,205-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Lake Panasoffkee's dominant direct exposure actually means, with real examples from across the dataset.