Vero Lake Estates, FL
Vero Lake Estates, FL's wildfire risk, in USFS's own numbers
Vero Lake Estates sits at the 94th percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 2,651 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Vero Lake Estates at the 94th percentile, close to its 94th-percentile risk score.
Where Vero Lake Estates's buildings actually sit
61.5% of Vero Lake Estates's 2,651 buildings sit in USFS's Direct exposure zone, roughly 1,630 structures close enough to burnable vegetation for flame contact, not just embers — 37.4% fall in the Indirect, ember-only zone and 1.1% are Minimal.
How Vero Lake Estates compares
There's little gap between Vero Lake Estates's 94th national percentile and its 90th percentile inside Florida, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Vero Lake Estates ranks 1,854 for wildfire risk (1 is highest) and 6,018 by building count (1 is largest). Within Florida alone, it ranks 98 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Vero Lake Estates and the insurance market
At the 94th percentile nationally, Vero Lake Estates 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.
Hardening a home in Vero Lake Estates
With 61.5% of Vero Lake Estates 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 Vero Lake Estates's figures come from
Vero Lake Estates's 94th-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 Vero Lake Estates's dominant direct exposure actually means, with real examples from across the dataset.