Chokoloskee, FL
Chokoloskee wildfire risk explained
Chokoloskee sits at the 86th 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 416 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 Chokoloskee at the 85th percentile, close to its 86th-percentile risk score.
Where Chokoloskee's buildings actually sit
Most of Chokoloskee's buildings (92.1%) sit in the Indirect zone, where wind-blown embers rather than flame front are the mechanism USFS is scoring — ember-resistant vents and non-combustible roofing are the interventions this pattern favors, more than defensible space alone.
Where Chokoloskee ranks
Chokoloskee's 86th national percentile looks worse in isolation than its 67th ranking inside Florida does — this place is on the milder end for its own state, by 19 points. Among the 31,521 US communities USFS scores, Chokoloskee ranks 4,568 for wildfire risk (1 is highest) and 18,901 by building count (1 is largest). Within Florida alone, it ranks 319 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
Chokoloskee's 86th-percentile, very high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Hardening a home in Chokoloskee
With ember exposure the dominant pattern in Chokoloskee (92.1% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
Chokoloskee's 86th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Chokoloskee, see the exposure-zones guide.