Having had RQ fat burning test, at peak fat burning was about 55% of total calories. I could quite comfortably cycle 200km within the time limit, riding at that sort of intensity, eating only food I carried.
That 55% was within 20 minutes or so of commencing exercise. Fat burning would tend to increase over time. When I was relatively untrained a couple of months beforehand, it was peaking at 25-30%.
Regarding zones, I was burning fat at roughly a constant absolute rate up until I approached LT. Basically I had a fixed fat burning capability and above that intensity of work, carbs made up the gap. Until it got hard, at which point fat burning switched off.
If you train at lower intensities and avoid eating lots before and during - especially before - then you should see an increase in fat burning ability. Particularly avoid lots of sugary stuff in your diet.