Indian Shores, FL
Indian Shores wildfire risk explained
USFS's Wildfire Risk to Communities model puts Indian Shores at the 53rd national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 519 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Indian Shores's burn probability — fire likelihood with no building count factored in — sits at the 54th percentile nationally.
Where Indian Shores's buildings actually sit
Most of Indian Shores's buildings (97.5% of 519) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
Where Indian Shores ranks
Indian Shores ranks lower within Florida (6th percentile statewide) than its 53rd 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 Shores ranks 14,834 for wildfire risk (1 is highest) and 17,030 by building count (1 is largest). Within Florida alone, it ranks 897 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Shopping for coverage in Indian Shores
Indian Shores'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.
Lowering exposure, not just insuring around it
With 97.5% of buildings rated Minimal exposure, Indian Shores gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Indian Shores's figures come from
Every one of the two percentiles behind Indian Shores's 14,834-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Indian Shores's dominant minimal exposure actually means, with real examples from across the dataset.