Jacksonville Beach, FL
How exposed is Jacksonville Beach to wildfire?
Jacksonville Beach sits at the 89th percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 9,014 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Jacksonville Beach at the 84th national percentile — 5 points below its risk-to-structures score, a gap driven by how much is actually built there.
Jacksonville Beach's building exposure, zone by zone
Jacksonville Beach rates 89.2% Minimal exposure against just 10.8% Direct and 0% Indirect — of 9,014 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually. At 9,014 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How Jacksonville Beach compares
There's little gap between Jacksonville Beach's 89th national percentile and its 80th percentile inside Florida, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Jacksonville Beach ranks 3,368 for wildfire risk (1 is highest) and 1,841 by building count (1 is largest). Within Florida alone, it ranks 196 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Shopping for coverage in Jacksonville Beach
Jacksonville Beach's 89th-percentile, very high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Lowering exposure, not just insuring around it
Even with 89.2% of Jacksonville Beach outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 9,014 counted buildings into the percentiles shown above for Jacksonville Beach. For more on what minimal exposure implies beyond Jacksonville Beach, see the exposure-zones guide.