Indian River Estates, FL
Indian River Estates, FL's wildfire risk, in USFS's own numbers
USFS scores Indian River Estates at the 90th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 3,553 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Indian River Estates at the 88th percentile, close to its 90th-percentile risk score.
Indian River Estates's building exposure, zone by zone
Indirect exposure is dominant in Indian River Estates (53.5% of 3,553 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 44.1% sit in the Direct zone.
Where Indian River Estates ranks
Indian River Estates's risk sits at a similar level relative to Florida (81st percentile statewide) as it does nationally (90th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Indian River Estates ranks 3,210 for wildfire risk (1 is highest) and 4,713 by building count (1 is largest). Within Florida alone, it ranks 184 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 River Estates's very high rating (90th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Hardening a home in Indian River Estates
With ember exposure the dominant pattern in Indian River Estates (53.5% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Indian River Estates's figures come from
The methodology guide shows exactly how USFS turned 3,553 counted buildings into the percentiles shown above for Indian River Estates. The exposure-zones guide covers what Indian River Estates's dominant indirect exposure actually means, with real examples from across the dataset.