Fernandina Beach, FL
How exposed is Fernandina Beach to wildfire?
Fernandina Beach's 6,688 buildings earn a 83rd-percentile wildfire-risk score nationally under USFS's model — in USFS's highest wildfire-risk band nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Fernandina Beach's burn probability — fire likelihood with no building count factored in — sits at the 74th percentile nationally.
Fernandina Beach's building exposure, zone by zone
USFS puts 38.5% of Fernandina Beach's 6,688 buildings in the Indirect exposure zone, versus 25.5% Direct and 36% Minimal — a place where the fire doesn't need to reach the structure directly for embers to. At 6,688 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Fernandina Beach ranks
Fernandina Beach ranks lower within Florida (59th percentile statewide) than its 83rd national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Fernandina Beach ranks 5,256 for wildfire risk (1 is highest) and 2,591 by building count (1 is largest). Within Florida alone, it ranks 394 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Shopping for coverage in Fernandina Beach
Fernandina Beach's 83rd-percentile, very 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 Fernandina Beach
With ember exposure the dominant pattern in Fernandina Beach (38.5% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
Every one of the two percentiles behind Fernandina Beach's 5,256-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Fernandina Beach, see the exposure-zones guide.