Biscayne Gardens, FL
How exposed is Biscayne Gardens to wildfire?
Biscayne Gardens's 7,355 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.)
Separately from the risk score above, Biscayne Gardens's burn probability — fire likelihood with no building count factored in — sits at the 76th percentile nationally.
Biscayne Gardens's building exposure, zone by zone
Most of Biscayne Gardens's buildings (87.6% of 7,355) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure. At 7,355 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Biscayne Gardens ranks
Biscayne Gardens's 74th national percentile looks worse in isolation than its 34th 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, Biscayne Gardens ranks 8,248 for wildfire risk (1 is highest) and 2,322 by building count (1 is largest). Within Florida alone, it ranks 634 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Shopping for coverage in Biscayne Gardens
Biscayne Gardens's high rating (74th 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.
What would actually reduce this score
Even with 87.6% of Biscayne Gardens 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
The methodology guide shows exactly how USFS turned 7,355 counted buildings into the percentiles shown above for Biscayne Gardens. For more on what minimal exposure implies beyond Biscayne Gardens, see the exposure-zones guide.