Hutchinson Island South, FL
How exposed is Hutchinson Island South to wildfire?
USFS's Wildfire Risk to Communities model puts Hutchinson Island South at the 91st national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 2,661 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Hutchinson Island South at the 89th percentile, close to its 91st-percentile risk score.
Where Hutchinson Island South's buildings actually sit
Only 3.5% of Hutchinson Island South's 2,661 buildings carry Direct exposure and 0% carry Indirect; the remaining 96.5% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Where Hutchinson Island South ranks
There's little gap between Hutchinson Island South's 91st national percentile and its 83rd percentile inside Florida, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Hutchinson Island South ranks 2,890 for wildfire risk (1 is highest) and 5,999 by building count (1 is largest). Within Florida alone, it ranks 163 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Shopping for coverage in Hutchinson Island South
Hutchinson Island South's 91st-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.
What would actually reduce this score
With 96.5% of buildings rated Minimal exposure, Hutchinson Island South gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Hutchinson Island South's figures come from
Every one of the two percentiles behind Hutchinson Island South's 2,890-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Hutchinson Island South's dominant minimal exposure actually means, with real examples from across the dataset.