Bayonet Point, FL
Bayonet Point wildfire risk explained
Out of every US place USFS scores, Bayonet Point lands at the 85th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 10,956 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Bayonet Point at the 80th percentile, close to its 85th-percentile risk score.
Bayonet Point's building exposure, zone by zone
10,956 buildings are counted in Bayonet Point, and 60.4% of them are Indirect exposure — ember-driven risk rather than the 1.6% in Direct exposure or the 38% rated Minimal. At 10,956 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Bayonet Point against the rest of the country
Bayonet Point's 85th national percentile looks worse in isolation than its 65th ranking inside Florida does — this place is on the milder end for its own state, by 20 points. Among the 31,521 US communities USFS scores, Bayonet Point ranks 4,662 for wildfire risk (1 is highest) and 1,446 by building count (1 is largest). Within Florida alone, it ranks 331 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 85th percentile nationally, Bayonet Point 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.
Hardening a home in Bayonet Point
With ember exposure the dominant pattern in Bayonet Point (60.4% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
Every one of the two percentiles behind Bayonet Point's 4,662-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Bayonet Point, see the exposure-zones guide.