Lockhart, FL
Lockhart wildfire risk explained
Lockhart's 5,465 buildings earn a 63rd-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.)
Separately from the risk score above, Lockhart's burn probability — fire likelihood with no building count factored in — sits at the 66th percentile nationally.
What "at risk" means for the buildings here
Only 28.5% of Lockhart's 5,465 buildings carry Direct exposure and 0% carry Indirect; the remaining 71.5% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure. At 5,465 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Lockhart against the rest of the country
Lockhart's 63rd national percentile looks worse in isolation than its 18th ranking inside Florida does — this place is on the milder end for its own state, by 45 points. Among the 31,521 US communities USFS scores, Lockhart ranks 11,622 for wildfire risk (1 is highest) and 3,159 by building count (1 is largest). Within Florida alone, it ranks 787 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Lockhart and the insurance market
Lockhart's high rating (63rd 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 Lockhart
Lockhart's 71.5% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
Where Lockhart's figures come from
The methodology guide shows exactly how USFS turned 5,465 counted buildings into the percentiles shown above for Lockhart. The exposure-zones guide covers what Lockhart's dominant minimal exposure actually means, with real examples from across the dataset.