Hernando Beach, FL
Hernando Beach, FL's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Hernando Beach at the 94th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 1,537 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Hernando Beach at the 92nd national percentile — 2 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Hernando Beach's buildings actually sit
Most of Hernando Beach's buildings (88.8%) sit in the Indirect zone, where wind-blown embers rather than flame front are the mechanism USFS is scoring — ember-resistant vents and non-combustible roofing are the interventions this pattern favors, more than defensible space alone.
Where Hernando Beach ranks
Hernando Beach scores 94th nationally and 90th 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, Hernando Beach ranks 1,886 for wildfire risk (1 is highest) and 8,998 by building count (1 is largest). Within Florida alone, it ranks 100 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Shopping for coverage in Hernando Beach
At the 94th percentile nationally, Hernando 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 Hernando Beach
Hernando Beach's 88.8% 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.
More on how this number was built
Hernando Beach's 94th-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 Hernando Beach, see the exposure-zones guide.