Big Coppitt Key, FL
Big Coppitt Key wildfire risk explained
Big Coppitt Key sits at the 23rd percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 1,316 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Big Coppitt Key at the 20th national percentile — 3 points below its risk-to-structures score, a gap driven by how much is actually built there.
Big Coppitt Key's building exposure, zone by zone
Only 1.4% of Big Coppitt Key's 1,316 buildings carry Direct exposure and 0% carry Indirect; the remaining 98.6% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Where Big Coppitt Key ranks
Inside Florida, Big Coppitt Key sits at just the 0th percentile even though it scores 23rd 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, Big Coppitt Key ranks 24,382 for wildfire risk (1 is highest) and 9,987 by building count (1 is largest). Within Florida alone, it ranks 955 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Big Coppitt Key and the insurance market
At the 23rd national percentile, Big Coppitt Key rates moderate for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
Even with 98.6% of Big Coppitt Key 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 Big Coppitt Key's figures come from
Every one of the two percentiles behind Big Coppitt Key's 24,382-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Big Coppitt Key's dominant minimal exposure actually means, with real examples from across the dataset.