Fort Myers Shores, FL
Fort Myers Shores wildfire risk explained
Fort Myers Shores sits at the 89th percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 2,632 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Fort Myers Shores'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
Indirect exposure is dominant in Fort Myers Shores (74.3% of 2,632 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 24.2% sit in the Direct zone.
Where Fort Myers Shores ranks
There's little gap between Fort Myers Shores's 89th national percentile and its 79th percentile inside Florida, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Fort Myers Shores ranks 3,425 for wildfire risk (1 is highest) and 6,048 by building count (1 is largest). Within Florida alone, it ranks 201 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Shopping for coverage in Fort Myers Shores
At the 89th percentile nationally, Fort Myers Shores 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.
Lowering exposure, not just insuring around it
With ember exposure the dominant pattern in Fort Myers Shores (74.3% 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
Fort Myers Shores's 89th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Fort Myers Shores, see the exposure-zones guide.