Lochmoor Waterway Estates, FL
Lochmoor Waterway Estates wildfire risk explained
Out of every US place USFS scores, Lochmoor Waterway Estates lands at the 77th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 2,493 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Lochmoor Waterway Estates's burn probability — fire likelihood with no building count factored in — sits at the 78th percentile nationally.
Lochmoor Waterway Estates's building exposure, zone by zone
Only 12.1% of Lochmoor Waterway Estates's 2,493 buildings carry Direct exposure and 0% carry Indirect; the remaining 87.9% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Where Lochmoor Waterway Estates ranks
Inside Florida, Lochmoor Waterway Estates 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, Lochmoor Waterway Estates ranks 7,244 for wildfire risk (1 is highest) and 6,307 by building count (1 is largest). Within Florida alone, it ranks 567 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
Lochmoor Waterway Estates's high rating (77th 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 Lochmoor Waterway Estates
Even with 87.9% of Lochmoor Waterway Estates outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where Lochmoor Waterway Estates's figures come from
The methodology guide shows exactly how USFS turned 2,493 counted buildings into the percentiles shown above for Lochmoor Waterway Estates. The exposure-zones guide covers what Lochmoor Waterway Estates's dominant minimal exposure actually means, with real examples from across the dataset.