Silver Lake, FL
Silver Lake, FL's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Silver Lake lands at the 82nd percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 840 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 Silver Lake at the 82nd percentile, close to its 82nd-percentile risk score.
Silver Lake's building exposure, zone by zone
840 buildings are counted in Silver Lake, and 63.1% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 35.4% rated Minimal.
Silver Lake against the rest of the country
Silver Lake's 82nd national percentile looks worse in isolation than its 53rd ranking inside Florida does — this place is on the milder end for its own state, by 29 points. Among the 31,521 US communities USFS scores, Silver Lake ranks 5,793 for wildfire risk (1 is highest) and 13,250 by building count (1 is largest). Within Florida alone, it ranks 454 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Shopping for coverage in Silver Lake
At the 82nd percentile nationally, Silver Lake carries the very 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 63.1% of Silver Lake in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Silver Lake's figures come from
Silver Lake's 82nd-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 Silver Lake's dominant direct exposure actually means, with real examples from across the dataset.