Fisher Island, FL
Fisher Island wildfire risk explained
USFS scores Fisher Island at the 81st national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 130 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Fisher Island at the 81st percentile, close to its 81st-percentile risk score.
What "at risk" means for the buildings here
86.2% of Fisher Island's 130 buildings sit in USFS's Minimal exposure zone, with only 13.9% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Where Fisher Island ranks
Fisher Island's 81st national percentile looks worse in isolation than its 50th ranking inside Florida does — this place is on the milder end for its own state, by 31 points. Among the 31,521 US communities USFS scores, Fisher Island ranks 6,110 for wildfire risk (1 is highest) and 27,705 by building count (1 is largest). Within Florida alone, it ranks 478 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Fisher Island and the insurance market
At the 81st percentile nationally, Fisher Island 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.
Lowering exposure, not just insuring around it
Even with 86.2% of Fisher Island 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.
More on how this number was built
Every one of the two percentiles behind Fisher Island's 6,110-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Fisher Island, see the exposure-zones guide.