Cocoa Beach, FL
Cocoa Beach, FL's wildfire risk, in USFS's own numbers
Cocoa Beach sits at the 80th percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 4,070 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Cocoa Beach's burn probability — fire likelihood with no building count factored in — sits at the 75th percentile nationally.
Where Cocoa Beach's buildings actually sit
Cocoa Beach rates 98.1% Minimal exposure against just 1.9% Direct and 0% Indirect — of 4,070 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Cocoa Beach against the rest of the country
Inside Florida, Cocoa Beach sits at just the 48th percentile even though it scores 80th nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Cocoa Beach ranks 6,294 for wildfire risk (1 is highest) and 4,169 by building count (1 is largest). Within Florida alone, it ranks 495 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Shopping for coverage in Cocoa Beach
Cocoa Beach's high rating (80th 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.
Lowering exposure, not just insuring around it
Cocoa Beach's 98.1% 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
Every one of the two percentiles behind Cocoa Beach's 6,294-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Cocoa Beach, see the exposure-zones guide.