Bal Harbour, FL
Bal Harbour wildfire risk explained
Out of every US place USFS scores, Bal Harbour lands at the 78th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 341 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Bal Harbour's burn probability — fire likelihood with no building count factored in — sits at the 80th percentile nationally.
Where Bal Harbour's buildings actually sit
Bal Harbour rates 99.4% Minimal exposure against just 0.6% Direct and 0% Indirect — of 341 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
How Bal Harbour compares
Bal Harbour's 78th national percentile looks worse in isolation than its 42nd ranking inside Florida does — this place is on the milder end for its own state, by 36 points. Among the 31,521 US communities USFS scores, Bal Harbour ranks 7,054 for wildfire risk (1 is highest) and 20,540 by building count (1 is largest). Within Florida alone, it ranks 553 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
Bal Harbour's high rating (78th 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
Even with 99.4% of Bal Harbour 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
Every one of the two percentiles behind Bal Harbour's 7,054-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Bal Harbour, see the exposure-zones guide.