Beverly Beach, FL
Beverly Beach wildfire risk explained
Beverly Beach's 350 buildings earn a 74th-percentile wildfire-risk score nationally under USFS's model — well above the national norm for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Beverly Beach at the 72nd percentile, close to its 74th-percentile risk score.
What "at risk" means for the buildings here
USFS classifies 92.9% of Beverly Beach's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 7.1% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Beverly Beach against the rest of the country
Beverly Beach's 74th national percentile looks worse in isolation than its 33rd ranking inside Florida does — this place is on the milder end for its own state, by 40 points. Among the 31,521 US communities USFS scores, Beverly Beach ranks 8,347 for wildfire risk (1 is highest) and 20,301 by building count (1 is largest). Within Florida alone, it ranks 638 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
Beverly Beach's 74th-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.
Hardening a home in Beverly Beach
Even with 92.9% of Beverly Beach 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 Beverly Beach's 8,347-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Beverly Beach, see the exposure-zones guide.