Key Largo, FL
How exposed is Key Largo to wildfire?
Key Largo's 8,066 buildings earn a 78th-percentile wildfire-risk score nationally under USFS's model — well above the national norm for wildfire risk. (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 Largo at the 80th percentile, close to its 78th-percentile risk score.
Key Largo's building exposure, zone by zone
Only 11.8% of Key Largo's 8,066 buildings carry Direct exposure and 9% carry Indirect; the remaining 79.2% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure. At 8,066 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Key Largo ranks
Key Largo ranks lower within Florida (43rd percentile statewide) than its 78th 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 Largo ranks 6,991 for wildfire risk (1 is highest) and 2,081 by building count (1 is largest). Within Florida alone, it ranks 548 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
What this risk score means for insurance
Key Largo's high rating (78th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Lowering exposure, not just insuring around it
Key Largo's 79.2% 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 Largo's figures come from
Every one of the two percentiles behind Key Largo's 6,991-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Key Largo's dominant minimal exposure actually means, with real examples from across the dataset.