Mexico Beach, FL
Mexico Beach, FL's wildfire risk, in USFS's own numbers
USFS scores Mexico Beach at the 95th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 1,640 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Mexico Beach at the 93rd percentile, close to its 95th-percentile risk score.
What "at risk" means for the buildings here
Indirect exposure is dominant in Mexico Beach (88.7% of 1,640 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 11.3% sit in the Direct zone.
How Mexico Beach compares
There's little gap between Mexico Beach's 95th national percentile and its 92nd percentile inside Florida, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Mexico Beach ranks 1,668 for wildfire risk (1 is highest) and 8,618 by building count (1 is largest). Within Florida alone, it ranks 78 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
Mexico Beach's very high rating (95th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Lowering exposure, not just insuring around it
Because 88.7% of Mexico Beach's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Mexico Beach's 1,668-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Mexico Beach, see the exposure-zones guide.