Lupinus cumulicola, commonly referred to as sky-blue lupine, is a species of flowering plant endemic to the Lake Wales Ridge in the US state of Florida.
It is native to the sandy, fire-dependent habitats of the ridge, primarily longleaf pine sandhill and scrub. However, it is capable of persisting in degraded habitats such as rangeland and roadsides, provided the frequency of disturbance is not too high.
The lupine taxa of Florida have, as of 2024, been undergoing intensive reassessment. Lupinus cumulicola was, until recently, included under Lupinus diffusus which covered all Florida populations. However, recent work has shown that Lupinus cumulicola should be regarded as a separate species endemic to peninsular Florida.
Lupinus cumulicola is a member of the unifoliolate Lupinus species complex of peninsular Florida, a group of closely related taxa segregated from the historically broad concept of Lupinus diffusus based on morphological and geographic differentiation.
Within this complex, species are distinguished primarily by leaf pubescence (density and whether the green surface is visible), leaf proportions, floral characters (especially the banner eyespot), habit, and geographic distribution.
Lupinus cumulicola is characterized by its densely silky-pubescent leaves, which give the plant a silvery appearance and largely obscure the green leaf surface, along with its restriction to xeric sandy habitats of central Florida ridge and scrub systems.
It differs from related species as follows:
These differences reflect a radiation of closely related taxa adapted to xeric, fire-maintained sandy habitats of peninsular Florida, with Lupinus cumulicola representing a lineage distinguished by its consistently dense, silvery indumentum.