Marco Shores-Hammock Bay, FL
How exposed is Marco Shores-Hammock Bay to wildfire?
USFS's Wildfire Risk to Communities model puts Marco Shores-Hammock Bay at the 89th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 204 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Marco Shores-Hammock Bay at the 90th percentile, close to its 89th-percentile risk score.
Marco Shores-Hammock Bay's building exposure, zone by zone
Indirect exposure is dominant in Marco Shores-Hammock Bay (80.4% of 204 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 19.1% sit in the Direct zone.
Where Marco Shores-Hammock Bay ranks
Marco Shores-Hammock Bay's risk sits at a similar level relative to Florida (77th percentile statewide) as it does nationally (89th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Marco Shores-Hammock Bay ranks 3,522 for wildfire risk (1 is highest) and 24,685 by building count (1 is largest). Within Florida alone, it ranks 212 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Marco Shores-Hammock Bay and the insurance market
At the 89th percentile nationally, Marco Shores-Hammock Bay 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 ember exposure the dominant pattern in Marco Shores-Hammock Bay (80.4% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Marco Shores-Hammock Bay's figures come from
The methodology guide shows exactly how USFS turned 204 counted buildings into the percentiles shown above for Marco Shores-Hammock Bay. The exposure-zones guide covers what Marco Shores-Hammock Bay's dominant indirect exposure actually means, with real examples from across the dataset.