Spring Lake, FL
How exposed is Spring Lake to wildfire?
USFS scores Spring Lake at the 90th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 356 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 Spring Lake at the 91st percentile, close to its 90th-percentile risk score.
What "at risk" means for the buildings here
356 buildings are counted in Spring Lake, and 100% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
How Spring Lake compares
There's little gap between Spring Lake's 90th national percentile and its 82nd percentile inside Florida, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Spring Lake ranks 3,048 for wildfire risk (1 is highest) and 20,153 by building count (1 is largest). Within Florida alone, it ranks 176 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Spring Lake and the insurance market
Spring Lake's very high rating (90th 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.
Lowering exposure, not just insuring around it
With 100% of Spring 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.
More on how this number was built
Every one of the two percentiles behind Spring Lake's 3,048-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Spring Lake, see the exposure-zones guide.