Sea Ranch Lakes, FL
How exposed is Sea Ranch Lakes to wildfire?
Sea Ranch Lakes sits at the 49th percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 229 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Sea Ranch Lakes's burn probability — fire likelihood with no building count factored in — sits at the 60th percentile nationally.
What "at risk" means for the buildings here
Only 2.2% of Sea Ranch Lakes's 229 buildings carry Direct exposure and 0% carry Indirect; the remaining 97.8% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
How Sea Ranch Lakes compares
Sea Ranch Lakes's 49th national percentile looks worse in isolation than its 3rd 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, Sea Ranch Lakes ranks 16,193 for wildfire risk (1 is highest) and 23,816 by building count (1 is largest). Within Florida alone, it ranks 924 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Shopping for coverage in Sea Ranch Lakes
At the 49th national percentile, Sea Ranch Lakes rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
With 97.8% of buildings rated Minimal exposure, Sea Ranch Lakes gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Sea Ranch Lakes's figures come from
Sea Ranch Lakes's 49th-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 Sea Ranch Lakes's dominant minimal exposure actually means, with real examples from across the dataset.