Pine Lakes, FL
How exposed is Pine Lakes to wildfire?
Out of every US place USFS scores, Pine Lakes lands at the 92nd percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 529 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Pine Lakes at the 92nd percentile, close to its 92nd-percentile risk score.
Where Pine Lakes's buildings actually sit
Of Pine Lakes's 529 counted buildings, 83.4% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Where Pine Lakes ranks
Pine Lakes's risk sits at a similar level relative to Florida (85th percentile statewide) as it does nationally (92nd) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Pine Lakes ranks 2,671 for wildfire risk (1 is highest) and 16,876 by building count (1 is largest). Within Florida alone, it ranks 148 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Pine Lakes and the insurance market
Pine Lakes's very high rating (92nd 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.
What would actually reduce this score
Because Direct exposure dominates in Pine Lakes (83.4%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Pine Lakes's figures come from
Pine Lakes's 92nd-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 Pine Lakes's dominant direct exposure actually means, with real examples from across the dataset.