Belleair Bluffs, FL
Belleair Bluffs, FL's wildfire risk, in USFS's own numbers
USFS scores Belleair Bluffs at the 55th national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 689 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Belleair Bluffs at the 58th national percentile — 4 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Belleair Bluffs's buildings actually sit
97.5% of Belleair Bluffs's 689 buildings sit in USFS's Minimal exposure zone, with only 2.5% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
How Belleair Bluffs compares
Belleair Bluffs ranks lower within Florida (8th percentile statewide) than its 55th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Belleair Bluffs ranks 14,330 for wildfire risk (1 is highest) and 14,764 by building count (1 is largest). Within Florida alone, it ranks 883 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
Belleair Bluffs's elevated wildfire rating (55th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Lowering exposure, not just insuring around it
Belleair Bluffs's 97.5% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 689 counted buildings into the percentiles shown above for Belleair Bluffs. For more on what minimal exposure implies beyond Belleair Bluffs, see the exposure-zones guide.