Duck Key, FL
Duck Key, FL's wildfire risk, in USFS's own numbers
USFS scores Duck Key at the 37th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 657 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Duck Key's burn probability — fire likelihood with no building count factored in — sits at the 36th percentile nationally.
Where Duck Key's buildings actually sit
Most of Duck Key's buildings (97.9% of 657) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
Where Duck Key ranks
Inside Florida, Duck Key sits at just the 0th percentile even though it scores 37th 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, Duck Key ranks 19,780 for wildfire risk (1 is highest) and 15,097 by building count (1 is largest). Within Florida alone, it ranks 952 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Duck Key and the insurance market
At the 37th national percentile, Duck 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.
Hardening a home in Duck Key
Even with 97.9% of Duck 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 Duck Key's figures come from
Duck Key's 37th-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 Duck Key's dominant minimal exposure actually means, with real examples from across the dataset.