Belle Isle, FL
Belle Isle, FL's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Belle Isle at the 69th national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 2,970 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Belle Isle at the 71st national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Belle Isle's building exposure, zone by zone
Only 25.6% of Belle Isle's 2,970 buildings carry Direct exposure and 0% carry Indirect; the remaining 74.4% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Where Belle Isle ranks
Belle Isle ranks lower within Florida (25th percentile statewide) than its 69th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Belle Isle ranks 9,825 for wildfire risk (1 is highest) and 5,482 by building count (1 is largest). Within Florida alone, it ranks 720 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Belle Isle and the insurance market
Belle Isle's 69th-percentile, high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Lowering exposure, not just insuring around it
Even with 74.4% of Belle Isle 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 Belle Isle's figures come from
Every one of the two percentiles behind Belle Isle's 9,825-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Belle Isle's dominant minimal exposure actually means, with real examples from across the dataset.