Plantation Island, FL
Plantation Island, FL's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Plantation Island lands at the 89th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 178 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Plantation Island at the 89th national percentile — 0 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 60.1% of Plantation Island's 178 buildings in the Indirect exposure zone, versus 39.9% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Where Plantation Island ranks
Plantation Island's risk sits at a similar level relative to Florida (80th 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, Plantation Island ranks 3,337 for wildfire risk (1 is highest) and 25,704 by building count (1 is largest). Within Florida alone, it ranks 195 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 89th percentile nationally, Plantation Island 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.
Lowering exposure, not just insuring around it
Because 60.1% of Plantation Island'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
Every one of the two percentiles behind Plantation Island's 3,337-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Plantation Island, see the exposure-zones guide.