Longboat Key, FL
Longboat Key wildfire risk explained
Longboat Key's 3,390 buildings earn a 67th-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 Longboat Key at the 69th percentile, close to its 67th-percentile risk score.
Longboat Key's building exposure, zone by zone
Only 3% of Longboat Key's 3,390 buildings carry Direct exposure and 0% carry Indirect; the remaining 97% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Where Longboat Key ranks
Longboat Key's 67th national percentile looks worse in isolation than its 23rd ranking inside Florida does — this place is on the milder end for its own state, by 44 points. Among the 31,521 US communities USFS scores, Longboat Key ranks 10,455 for wildfire risk (1 is highest) and 4,930 by building count (1 is largest). Within Florida alone, it ranks 738 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
Longboat Key's high rating (67th 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
Even with 97% of Longboat Key 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
The methodology guide shows exactly how USFS turned 3,390 counted buildings into the percentiles shown above for Longboat Key. For more on what minimal exposure implies beyond Longboat Key, see the exposure-zones guide.