Ferry Pass, FL
Ferry Pass wildfire risk explained
USFS scores Ferry Pass at the 82nd national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 11,432 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Ferry Pass at the 80th national percentile — 3 points below its risk-to-structures score, a gap driven by how much is actually built there.
Ferry Pass's building exposure, zone by zone
Only 29.8% of Ferry Pass's 11,432 buildings carry Direct exposure and 17.5% carry Indirect; the remaining 52.7% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure. At 11,432 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How Ferry Pass compares
Ferry Pass ranks lower within Florida (55th percentile statewide) than its 82nd national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Ferry Pass ranks 5,544 for wildfire risk (1 is highest) and 1,379 by building count (1 is largest). Within Florida alone, it ranks 429 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Ferry Pass and the insurance market
Ferry Pass's 82nd-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 Ferry Pass
Even with 52.7% of Ferry Pass 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 Ferry Pass's figures come from
Ferry Pass's 82nd-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 Ferry Pass's dominant minimal exposure actually means, with real examples from across the dataset.