Stock Island, FL
How exposed is Stock Island to wildfire?
Out of every US place USFS scores, Stock Island lands at the 30th percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 1,530 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Stock Island's burn probability — fire likelihood with no building count factored in — sits at the 24th percentile nationally.
What "at risk" means for the buildings here
Stock Island rates 99.7% Minimal exposure against just 0.3% Direct and 0% Indirect — of 1,530 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Where Stock Island ranks
Stock Island's 30th national percentile looks worse in isolation than its 0th ranking inside Florida does — this place is on the milder end for its own state, by 30 points. Among the 31,521 US communities USFS scores, Stock Island ranks 22,052 for wildfire risk (1 is highest) and 9,036 by building count (1 is largest). Within Florida alone, it ranks 953 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
Stock Island's moderate wildfire rating (30th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Hardening a home in Stock Island
Even with 99.7% of Stock Island 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 Stock Island's figures come from
The methodology guide shows exactly how USFS turned 1,530 counted buildings into the percentiles shown above for Stock Island. The exposure-zones guide covers what Stock Island's dominant minimal exposure actually means, with real examples from across the dataset.