Lely Resort, FL
Lely Resort wildfire risk explained
USFS's Wildfire Risk to Communities model puts Lely Resort at the 86th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 3,014 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Lely Resort's burn probability — fire likelihood with no building count factored in — sits at the 86th percentile nationally.
Where Lely Resort's buildings actually sit
Indirect exposure is dominant in Lely Resort (60.3% of 3,014 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 15% sit in the Direct zone.
Lely Resort against the rest of the country
Lely Resort ranks lower within Florida (69th percentile statewide) than its 86th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Lely Resort ranks 4,278 for wildfire risk (1 is highest) and 5,411 by building count (1 is largest). Within Florida alone, it ranks 296 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Shopping for coverage in Lely Resort
Lely Resort's 86th-percentile, very high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Lowering exposure, not just insuring around it
Lely Resort's 60.3% 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 Resort's figures come from
Every one of the two percentiles behind Lely Resort's 4,278-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Lely Resort's dominant indirect exposure actually means, with real examples from across the dataset.