Three Lakes, FL
Three Lakes, FL's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Three Lakes at the 72nd national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 3,449 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Three Lakes at the 75th percentile, close to its 72nd-percentile risk score.
What "at risk" means for the buildings here
Most of Three Lakes's buildings (98% of 3,449) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
Three Lakes against the rest of the country
Inside Florida, Three Lakes sits at just the 31st percentile even though it scores 72nd nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Three Lakes ranks 8,756 for wildfire risk (1 is highest) and 4,846 by building count (1 is largest). Within Florida alone, it ranks 660 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
Three Lakes's high rating (72nd 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
Even with 98% of Three Lakes outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where Three Lakes's figures come from
Three Lakes's 72nd-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 Three Lakes's dominant minimal exposure actually means, with real examples from across the dataset.