Lloyd, FL
How exposed is Lloyd to wildfire?
Lloyd's 138 buildings earn a 77th-percentile wildfire-risk score nationally under USFS's model — well above the national norm for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Lloyd at the 77th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Lloyd's building exposure, zone by zone
93.5% of Lloyd's 138 buildings sit in USFS's Direct exposure zone, roughly 129 structures close enough to burnable vegetation for flame contact, not just embers — 6.5% fall in the Indirect, ember-only zone and 0% are Minimal.
Lloyd against the rest of the country
Lloyd ranks lower within Florida (42nd percentile statewide) than its 77th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Lloyd ranks 7,112 for wildfire risk (1 is highest) and 27,357 by building count (1 is largest). Within Florida alone, it ranks 557 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Lloyd and the insurance market
At the 77th percentile nationally, Lloyd 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
With 93.5% of Lloyd 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.
Where Lloyd's figures come from
The methodology guide shows exactly how USFS turned 138 counted buildings into the percentiles shown above for Lloyd. The exposure-zones guide covers what Lloyd's dominant direct exposure actually means, with real examples from across the dataset.