Key Vista, FL
Key Vista, FL's wildfire risk, in USFS's own numbers
USFS scores Key Vista at the 78th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 733 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 Vista at the 76th percentile, close to its 78th-percentile risk score.
Where Key Vista's buildings actually sit
Key Vista rates 90.3% Minimal exposure against just 9.7% Direct and 0% Indirect — of 733 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Key Vista against the rest of the country
Key Vista's 78th national percentile looks worse in isolation than its 42nd ranking inside Florida does — this place is on the milder end for its own state, by 36 points. Among the 31,521 US communities USFS scores, Key Vista ranks 7,055 for wildfire risk (1 is highest) and 14,295 by building count (1 is largest). Within Florida alone, it ranks 554 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 Vista'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.
What would actually reduce this score
Key Vista's 90.3% 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 Vista's figures come from
Key Vista's 78th-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 Vista's dominant minimal exposure actually means, with real examples from across the dataset.