Indian Harbour Beach, FL
Indian Harbour Beach, FL's wildfire risk, in USFS's own numbers
Indian Harbour Beach's 2,930 buildings earn a 53rd-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.)
Fire likelihood alone (USFS's burn-probability figure) ranks Indian Harbour Beach at the 54th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Indian Harbour Beach's buildings actually sit
Indian Harbour Beach rates 97.3% Minimal exposure against just 2.7% Direct and 0% Indirect — of 2,930 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Indian Harbour Beach against the rest of the country
Inside Florida, Indian Harbour Beach sits at just the 6th percentile even though it scores 53rd nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Indian Harbour Beach ranks 14,800 for wildfire risk (1 is highest) and 5,540 by building count (1 is largest). Within Florida alone, it ranks 896 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
Indian Harbour Beach's elevated rating (53rd percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
Indian Harbour Beach's 97.3% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Indian Harbour Beach's 14,800-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Indian Harbour Beach, see the exposure-zones guide.