Sky Lake, FL
Sky Lake, FL's wildfire risk, in USFS's own numbers
USFS scores Sky Lake at the 60th national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 1,887 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Sky Lake at the 62nd percentile, close to its 60th-percentile risk score.
What "at risk" means for the buildings here
USFS classifies 95.7% of Sky Lake's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 4.3% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Sky Lake against the rest of the country
Sky Lake's 60th national percentile looks worse in isolation than its 14th 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, Sky Lake ranks 12,665 for wildfire risk (1 is highest) and 7,799 by building count (1 is largest). Within Florida alone, it ranks 820 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
What this risk score means for insurance
Sky Lake's elevated rating (60th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
With 95.7% of buildings rated Minimal exposure, Sky Lake gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
Sky Lake's 60th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Sky Lake, see the exposure-zones guide.