Rainbow Lakes Estates, FL
How exposed is Rainbow Lakes Estates to wildfire?
Rainbow Lakes Estates sits at the 80th percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 1,958 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Rainbow Lakes Estates at the 81st national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Direct exposure dominates in Rainbow Lakes Estates: 83% of its 1,958 buildings, versus 16.7% Indirect and 0.3% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where Rainbow Lakes Estates ranks
Rainbow Lakes Estates's 80th national percentile looks worse in isolation than its 48th ranking inside Florida does — this place is on the milder end for its own state, by 32 points. Among the 31,521 US communities USFS scores, Rainbow Lakes Estates ranks 6,296 for wildfire risk (1 is highest) and 7,597 by building count (1 is largest). Within Florida alone, it ranks 497 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Shopping for coverage in Rainbow Lakes Estates
At the 80th percentile nationally, Rainbow Lakes Estates 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.
What would actually reduce this score
Rainbow Lakes Estates's 83% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
Rainbow Lakes Estates's 80th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Rainbow Lakes Estates, see the exposure-zones guide.