Keystone Heights, FL
How exposed is Keystone Heights to wildfire?
Keystone Heights's 771 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.)
Fire likelihood alone (USFS's burn-probability figure) ranks Keystone Heights at the 77th national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
USFS puts 51.2% of Keystone Heights's 771 buildings in the Indirect exposure zone, versus 48.8% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Where Keystone Heights ranks
Keystone Heights 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, Keystone Heights ranks 6,894 for wildfire risk (1 is highest) and 13,908 by building count (1 is largest). Within Florida alone, it ranks 542 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Shopping for coverage in Keystone Heights
Keystone Heights's 78th-percentile, high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Hardening a home in Keystone Heights
Keystone Heights's 51.2% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
More on how this number was built
Keystone Heights's 78th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Keystone Heights, see the exposure-zones guide.