Lower Grand Lagoon, FL
How exposed is Lower Grand Lagoon to wildfire?
USFS scores Lower Grand Lagoon at the 72nd national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 3,288 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Lower Grand Lagoon at the 68th percentile, close to its 72nd-percentile risk score.
Where Lower Grand Lagoon's buildings actually sit
Only 1% of Lower Grand Lagoon's 3,288 buildings carry Direct exposure and 0% carry Indirect; the remaining 99% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Where Lower Grand Lagoon ranks
Inside Florida, Lower Grand Lagoon sits at just the 30th percentile even though it scores 72nd 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, Lower Grand Lagoon ranks 8,849 for wildfire risk (1 is highest) and 5,066 by building count (1 is largest). Within Florida alone, it ranks 667 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
At the 72nd percentile nationally, Lower Grand Lagoon 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.
Lowering exposure, not just insuring around it
With 99% of buildings rated Minimal exposure, Lower Grand Lagoon gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Lower Grand Lagoon's figures come from
Lower Grand Lagoon's 72nd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Lower Grand Lagoon's dominant minimal exposure actually means, with real examples from across the dataset.