Cudjoe Key, FL
How exposed is Cudjoe Key to wildfire?
Cudjoe Key's 1,770 buildings earn a 42nd-percentile wildfire-risk score nationally under USFS's model — modestly above the national average for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Cudjoe Key at the 37th national percentile — 4 points below its risk-to-structures score, a gap driven by how much is actually built there.
Cudjoe Key's building exposure, zone by zone
USFS classifies 95.9% of Cudjoe Key's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 4.1% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Cudjoe Key against the rest of the country
Cudjoe Key ranks lower within Florida (1st percentile statewide) than its 42nd national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Cudjoe Key ranks 18,395 for wildfire risk (1 is highest) and 8,151 by building count (1 is largest). Within Florida alone, it ranks 947 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Shopping for coverage in Cudjoe Key
Cudjoe Key's elevated wildfire rating (42nd 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.
Lowering exposure, not just insuring around it
Cudjoe Key's 95.9% 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.
Where Cudjoe Key's figures come from
Cudjoe Key's 42nd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Cudjoe Key's dominant minimal exposure actually means, with real examples from across the dataset.