Flagler Beach, FL
Flagler Beach, FL's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Flagler Beach at the 93rd national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 2,906 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Flagler Beach's burn probability — fire likelihood with no building count factored in — sits at the 91st percentile nationally.
What "at risk" means for the buildings here
USFS puts 74.2% of Flagler Beach's 2,906 buildings in the Indirect exposure zone, versus 13.4% Direct and 12.5% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Flagler Beach against the rest of the country
Flagler Beach scores 93rd nationally and 88th within Florida — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Flagler Beach ranks 2,228 for wildfire risk (1 is highest) and 5,577 by building count (1 is largest). Within Florida alone, it ranks 120 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Flagler Beach and the insurance market
At the 93rd percentile nationally, Flagler Beach carries the very high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Hardening a home in Flagler Beach
Flagler Beach's 74.2% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
Where Flagler Beach's figures come from
Every one of the two percentiles behind Flagler Beach's 2,228-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Flagler Beach's dominant indirect exposure actually means, with real examples from across the dataset.