Lynn Haven, FL
Lynn Haven wildfire risk explained
USFS scores Lynn Haven at the 80th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 8,055 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Lynn Haven's burn probability — fire likelihood with no building count factored in — sits at the 79th percentile nationally.
What "at risk" means for the buildings here
USFS classifies 77.4% of Lynn Haven's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 20.3% Direct and 2.4% Indirect — a landscape-level risk rather than a building-by-building one. At 8,055 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Lynn Haven ranks
Inside Florida, Lynn Haven sits at just the 46th percentile even though it scores 80th 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, Lynn Haven ranks 6,458 for wildfire risk (1 is highest) and 2,090 by building count (1 is largest). Within Florida alone, it ranks 512 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Shopping for coverage in Lynn Haven
Lynn Haven's 80th-percentile, high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Lowering exposure, not just insuring around it
With 77.4% of buildings rated Minimal exposure, Lynn Haven gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Lynn Haven's figures come from
Lynn Haven's 80th-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 Lynn Haven's dominant minimal exposure actually means, with real examples from across the dataset.