Key Biscayne, FL
Key Biscayne wildfire risk explained
USFS scores Key Biscayne at the 76th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 1,747 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 Key Biscayne at the 78th percentile, close to its 76th-percentile risk score.
Where Key Biscayne's buildings actually sit
Only 0.6% of Key Biscayne's 1,747 buildings carry Direct exposure and 0% carry Indirect; the remaining 99.4% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
How Key Biscayne compares
Key Biscayne ranks lower within Florida (39th percentile statewide) than its 76th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Key Biscayne ranks 7,498 for wildfire risk (1 is highest) and 8,235 by building count (1 is largest). Within Florida alone, it ranks 582 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Shopping for coverage in Key Biscayne
At the 76th percentile nationally, Key Biscayne 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
Key Biscayne's 99.4% 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.
Where Key Biscayne's figures come from
Key Biscayne's 76th-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 Key Biscayne's dominant minimal exposure actually means, with real examples from across the dataset.