Treasure Island, FL
How exposed is Treasure Island to wildfire?
USFS's Wildfire Risk to Communities model puts Treasure Island at the 52nd national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 2,729 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Treasure Island at the 52nd national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
99.1% of Treasure Island's 2,729 buildings sit in USFS's Minimal exposure zone, with only 0.9% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Where Treasure Island ranks
Inside Florida, Treasure Island sits at just the 5th percentile even though it scores 52nd nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Treasure Island ranks 15,117 for wildfire risk (1 is highest) and 5,883 by building count (1 is largest). Within Florida alone, it ranks 905 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Shopping for coverage in Treasure Island
Treasure Island's elevated rating (52nd percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
Even with 99.1% of Treasure 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.
More on how this number was built
The methodology guide shows exactly how USFS turned 2,729 counted buildings into the percentiles shown above for Treasure Island. For more on what minimal exposure implies beyond Treasure Island, see the exposure-zones guide.