Cedar Key, FL
How exposed is Cedar Key to wildfire?
Cedar Key sits at the 96th percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 707 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Cedar Key at the 92nd percentile, close to its 96th-percentile risk score.
What "at risk" means for the buildings here
Cedar Key rates 89.8% Minimal exposure against just 9.2% Direct and 1% Indirect — of 707 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Where Cedar Key ranks
Cedar Key's risk sits at a similar level relative to Florida (94th percentile statewide) as it does nationally (96th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Cedar Key ranks 1,350 for wildfire risk (1 is highest) and 14,581 by building count (1 is largest). Within Florida alone, it ranks 53 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
At the 96th percentile nationally, Cedar Key carries the very high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Hardening a home in Cedar Key
Cedar Key's 89.8% 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 Cedar Key's 1,350-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Cedar Key, see the exposure-zones guide.