Lighthouse Point, FL
How exposed is Lighthouse Point to wildfire?
USFS scores Lighthouse Point at the 51st national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 3,802 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Lighthouse Point at the 61st national percentile — 10 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Lighthouse Point's buildings actually sit
Lighthouse Point rates 99.9% Minimal exposure against just 0.1% Direct and 0% Indirect — of 3,802 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Lighthouse Point against the rest of the country
Lighthouse Point's 51st national percentile looks worse in isolation than its 5th ranking inside Florida does — this place is on the milder end for its own state, by 47 points. Among the 31,521 US communities USFS scores, Lighthouse Point ranks 15,374 for wildfire risk (1 is highest) and 4,419 by building count (1 is largest). Within Florida alone, it ranks 910 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
Lighthouse Point's elevated wildfire rating (51st percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Lowering exposure, not just insuring around it
With 99.9% of buildings rated Minimal exposure, Lighthouse Point gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
Every one of the two percentiles behind Lighthouse Point's 15,374-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Lighthouse Point, see the exposure-zones guide.