Keystone, FL
How exposed is Keystone to wildfire?
Keystone sits at the 87th percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 10,723 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Keystone's burn probability — fire likelihood with no building count factored in — sits at the 88th percentile nationally.
What "at risk" means for the buildings here
Of Keystone's 10,723 counted buildings, 49.1% carry Direct exposure and only 2.5% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first. At 10,723 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Keystone ranks
Inside Florida, Keystone sits at just the 70th percentile even though it scores 87th 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, Keystone ranks 4,157 for wildfire risk (1 is highest) and 1,481 by building count (1 is largest). Within Florida alone, it ranks 284 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Keystone and the insurance market
At the 87th percentile nationally, Keystone carries the very 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.
What would actually reduce this score
With 49.1% of Keystone in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 10,723 counted buildings into the percentiles shown above for Keystone. For more on what direct exposure implies beyond Keystone, see the exposure-zones guide.