Anna Maria, FL
Anna Maria, FL's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Anna Maria at the 48th national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 1,640 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Anna Maria at the 46th national percentile — 2 points below its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Most of Anna Maria's buildings (98.7% of 1,640) 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.
Anna Maria against the rest of the country
Anna Maria ranks lower within Florida (3rd percentile statewide) than its 48th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Anna Maria ranks 16,473 for wildfire risk (1 is highest) and 8,617 by building count (1 is largest). Within Florida alone, it ranks 931 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
Anna Maria's elevated rating (48th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Anna Maria
Anna Maria's 98.7% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Anna Maria's 16,473-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Anna Maria, see the exposure-zones guide.