Laguna Beach, FL
Laguna Beach wildfire risk explained
USFS scores Laguna Beach at the 85th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 4,599 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Laguna Beach's burn probability — fire likelihood with no building count factored in — sits at the 84th percentile nationally.
Where Laguna Beach's buildings actually sit
USFS puts 96.4% of Laguna Beach's 4,599 buildings in the Indirect exposure zone, versus 1.6% Direct and 2% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
How Laguna Beach compares
Laguna Beach ranks lower within Florida (64th percentile statewide) than its 85th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Laguna Beach ranks 4,696 for wildfire risk (1 is highest) and 3,704 by building count (1 is largest). Within Florida alone, it ranks 338 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
At the 85th percentile nationally, Laguna Beach carries the very 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
With ember exposure the dominant pattern in Laguna Beach (96.4% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
Laguna Beach's 85th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Laguna Beach, see the exposure-zones guide.