Key Colony Beach, FL
Key Colony Beach, FL's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Key Colony Beach lands at the 42nd percentile for wildfire risk to structures — modestly above the national average for wildfire risk — a figure built from its 688 buildings, not the land around them. (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 Colony Beach at the 40th percentile, close to its 42nd-percentile risk score.
What "at risk" means for the buildings here
USFS classifies 98.6% of Key Colony Beach's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 1.5% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Key Colony Beach against the rest of the country
Inside Florida, Key Colony Beach sits at just the 1st percentile even though it scores 42nd nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Key Colony Beach ranks 18,427 for wildfire risk (1 is highest) and 14,775 by building count (1 is largest). Within Florida alone, it ranks 949 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Key Colony Beach and the insurance market
Key Colony Beach's elevated wildfire rating (42nd percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Lowering exposure, not just insuring around it
Even with 98.6% of Key Colony Beach 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
Key Colony Beach's 42nd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Key Colony Beach, see the exposure-zones guide.