Lely, FL
How exposed is Lely to wildfire?
USFS's Wildfire Risk to Communities model puts Lely at the 77th national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 1,180 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 Lely at the 75th percentile, close to its 77th-percentile risk score.
Lely's building exposure, zone by zone
1,180 buildings are counted in Lely, and 91.5% of them are Indirect exposure — ember-driven risk rather than the 8.5% in Direct exposure or the 0% rated Minimal.
Where Lely ranks
Inside Florida, Lely sits at just the 41st percentile even though it scores 77th 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, Lely ranks 7,310 for wildfire risk (1 is highest) and 10,767 by building count (1 is largest). Within Florida alone, it ranks 569 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Lely and the insurance market
At the 77th percentile nationally, Lely 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
Lely's 91.5% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
Where Lely's figures come from
Lely's 77th-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 Lely's dominant indirect exposure actually means, with real examples from across the dataset.