Atlantic Beach, FL
Atlantic Beach wildfire risk explained
Atlantic Beach's 5,954 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, Atlantic Beach's burn probability — fire likelihood with no building count factored in — sits at the 79th percentile nationally.
Where Atlantic Beach's buildings actually sit
USFS classifies 83.3% of Atlantic Beach's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 16.7% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one. At 5,954 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Atlantic Beach against the rest of the country
Inside Florida, Atlantic Beach sits at just the 70th percentile even though it scores 87th 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, Atlantic Beach ranks 4,152 for wildfire risk (1 is highest) and 2,892 by building count (1 is largest). Within Florida alone, it ranks 279 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Shopping for coverage in Atlantic Beach
Atlantic Beach'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
With 83.3% of buildings rated Minimal exposure, Atlantic Beach gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Atlantic Beach's figures come from
The methodology guide shows exactly how USFS turned 5,954 counted buildings into the percentiles shown above for Atlantic Beach. The exposure-zones guide covers what Atlantic Beach's dominant minimal exposure actually means, with real examples from across the dataset.