Big Pine Key, FL
How exposed is Big Pine Key to wildfire?
USFS's Wildfire Risk to Communities model puts Big Pine Key at the 50th national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 3,369 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Big Pine Key at the 46th percentile, close to its 50th-percentile risk score.
What "at risk" means for the buildings here
Only 13.5% of Big Pine Key's 3,369 buildings carry Direct exposure and 0% carry Indirect; the remaining 86.6% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Big Pine Key against the rest of the country
Inside Florida, Big Pine Key sits at just the 4th percentile even though it scores 50th 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 Pine Key ranks 15,653 for wildfire risk (1 is highest) and 4,957 by building count (1 is largest). Within Florida alone, it ranks 915 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Shopping for coverage in Big Pine Key
Big Pine Key's elevated wildfire rating (50th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Hardening a home in Big Pine Key
Even with 86.6% of Big Pine 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.
More on how this number was built
Every one of the two percentiles behind Big Pine Key's 15,653-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Big Pine Key, see the exposure-zones guide.