Indian Rocks Beach, FL
Indian Rocks Beach, FL's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Indian Rocks Beach at the 49th national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 2,055 actual buildings. (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 Rocks Beach at the 52nd percentile, close to its 49th-percentile risk score.
Indian Rocks Beach's building exposure, zone by zone
99.1% of Indian Rocks Beach's 2,055 buildings sit in USFS's Minimal exposure zone, with only 0.9% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Where Indian Rocks Beach ranks
Indian Rocks Beach ranks lower within Florida (4th percentile statewide) than its 49th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Indian Rocks Beach ranks 15,936 for wildfire risk (1 is highest) and 7,326 by building count (1 is largest). Within Florida alone, it ranks 921 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Indian Rocks Beach and the insurance market
Indian Rocks Beach's elevated rating (49th 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 Rocks Beach's 99.1% 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 Rocks Beach's 15,936-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 Rocks Beach, see the exposure-zones guide.