Lemon Grove, FL
Lemon Grove wildfire risk explained
USFS's Wildfire Risk to Communities model puts Lemon Grove at the 95th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 523 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Lemon Grove at the 97th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
77.6% of Lemon Grove's 523 buildings sit in USFS's Direct exposure zone, roughly 406 structures close enough to burnable vegetation for flame contact, not just embers — 22.4% fall in the Indirect, ember-only zone and 0% are Minimal.
Where Lemon Grove ranks
Lemon Grove's risk sits at a similar level relative to Florida (93rd percentile statewide) as it does nationally (95th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Lemon Grove ranks 1,506 for wildfire risk (1 is highest) and 16,976 by building count (1 is largest). Within Florida alone, it ranks 65 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
Lemon Grove's very high rating (95th 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.
Hardening a home in Lemon Grove
With 77.6% of Lemon Grove in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 523 counted buildings into the percentiles shown above for Lemon Grove. For more on what direct exposure implies beyond Lemon Grove, see the exposure-zones guide.