North Key Largo, FL
North Key Largo, FL's wildfire risk, in USFS's own numbers
North Key Largo's 1,239 buildings earn a 87th-percentile wildfire-risk score nationally under USFS's model — in USFS's highest wildfire-risk band nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, North Key Largo's burn probability — fire likelihood with no building count factored in — sits at the 88th percentile nationally.
North Key Largo's building exposure, zone by zone
USFS puts 57.2% of North Key Largo's 1,239 buildings in the Indirect exposure zone, versus 27.4% Direct and 15.3% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
How North Key Largo compares
North Key Largo scores 87th nationally and 73rd within Florida — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, North Key Largo ranks 3,963 for wildfire risk (1 is highest) and 10,413 by building count (1 is largest). Within Florida alone, it ranks 257 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Shopping for coverage in North Key Largo
North Key Largo's very high rating (87th 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
Because 57.2% of North Key Largo's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
More on how this number was built
North Key Largo's 87th-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 North Key Largo, see the exposure-zones guide.