Indian River Shores, FL
Indian River Shores wildfire risk explained
Indian River Shores sits at the 76th percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 2,203 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Indian River Shores's burn probability — fire likelihood with no building count factored in — sits at the 75th percentile nationally.
Where Indian River Shores's buildings actually sit
Indian River Shores rates 80.3% Minimal exposure against just 19.7% Direct and 0% Indirect — of 2,203 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
How Indian River Shores compares
Inside Florida, Indian River Shores sits at just the 39th percentile even though it scores 76th 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 River Shores ranks 7,497 for wildfire risk (1 is highest) and 6,927 by building count (1 is largest). Within Florida alone, it ranks 581 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Indian River Shores and the insurance market
At the 76th percentile nationally, Indian River Shores carries the 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
Indian River Shores's 80.3% 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.
Where Indian River Shores's figures come from
The methodology guide shows exactly how USFS turned 2,203 counted buildings into the percentiles shown above for Indian River Shores. The exposure-zones guide covers what Indian River Shores's dominant minimal exposure actually means, with real examples from across the dataset.