Golden Beach, FL
Golden Beach, FL's wildfire risk, in USFS's own numbers
Golden Beach's 434 buildings earn a 59th-percentile wildfire-risk score nationally under USFS's model — modestly above the national average for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Golden Beach's burn probability — fire likelihood with no building count factored in — sits at the 62nd percentile nationally.
Where Golden Beach's buildings actually sit
Only 2.3% of Golden Beach's 434 buildings carry Direct exposure and 0% carry Indirect; the remaining 97.7% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
How Golden Beach compares
Golden Beach ranks lower within Florida (14th percentile statewide) than its 59th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Golden Beach ranks 12,791 for wildfire risk (1 is highest) and 18,559 by building count (1 is largest). Within Florida alone, it ranks 826 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
What this risk score means for insurance
Golden Beach's elevated rating (59th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Golden Beach
With 97.7% of buildings rated Minimal exposure, Golden Beach gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
Golden Beach's 59th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Golden Beach, see the exposure-zones guide.