Manasota Key, FL
Manasota Key, FL's wildfire risk, in USFS's own numbers
Manasota Key's 977 buildings earn a 70th-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.)
Separately from the risk score above, Manasota Key's burn probability — fire likelihood with no building count factored in — sits at the 69th percentile nationally.
Manasota Key's building exposure, zone by zone
Most of Manasota Key's buildings (99.5% of 977) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
Manasota Key against the rest of the country
Manasota Key's 70th national percentile looks worse in isolation than its 26th 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, Manasota Key ranks 9,603 for wildfire risk (1 is highest) and 12,089 by building count (1 is largest). Within Florida alone, it ranks 710 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
At the 70th percentile nationally, Manasota Key carries the 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.
Lowering exposure, not just insuring around it
Even with 99.5% of Manasota 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.
Where Manasota Key's figures come from
The methodology guide shows exactly how USFS turned 977 counted buildings into the percentiles shown above for Manasota Key. The exposure-zones guide covers what Manasota Key's dominant minimal exposure actually means, with real examples from across the dataset.