Islamorada, Village of Islands, FL
Islamorada, Village of Islands, FL's wildfire risk, in USFS's own numbers
USFS scores Islamorada at the 66th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 4,933 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Islamorada's burn probability — fire likelihood with no building count factored in — sits at the 68th percentile nationally.
What "at risk" means for the buildings here
Islamorada rates 89.7% Minimal exposure against just 10.3% Direct and 0% Indirect — of 4,933 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
How Islamorada compares
Islamorada ranks lower within Florida (21st percentile statewide) than its 66th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Islamorada ranks 10,736 for wildfire risk (1 is highest) and 3,467 by building count (1 is largest). Within Florida alone, it ranks 752 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Islamorada and the insurance market
At the 66th percentile nationally, Islamorada carries the 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
Islamorada's 89.7% 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.
More on how this number was built
The methodology guide shows exactly how USFS turned 4,933 counted buildings into the percentiles shown above for Islamorada. For more on what minimal exposure implies beyond Islamorada, see the exposure-zones guide.