Land O' Lakes, FL
Land O' Lakes wildfire risk explained
Out of every US place USFS scores, Land O' Lakes lands at the 88th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 13,965 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 Land O' Lakes at the 89th percentile, close to its 88th-percentile risk score.
Where Land O' Lakes's buildings actually sit
Indirect exposure is dominant in Land O' Lakes (65% of 13,965 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 30.7% sit in the Direct zone. At 13,965 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Land O' Lakes against the rest of the country
Land O' Lakes scores 88th nationally and 73rd within Florida — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Land O' Lakes ranks 3,932 for wildfire risk (1 is highest) and 1,076 by building count (1 is largest). Within Florida alone, it ranks 256 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Shopping for coverage in Land O' Lakes
Land O' Lakes's very high rating (88th 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
With ember exposure the dominant pattern in Land O' Lakes (65% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Land O' Lakes's figures come from
The methodology guide shows exactly how USFS turned 13,965 counted buildings into the percentiles shown above for Land O' Lakes. The exposure-zones guide covers what Land O' Lakes's dominant indirect exposure actually means, with real examples from across the dataset.