Miami Beach, FL
How exposed is Miami Beach to wildfire?
USFS scores Miami Beach at the 70th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 11,092 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 Miami Beach at the 73rd percentile, close to its 70th-percentile risk score.
What "at risk" means for the buildings here
Most of Miami Beach's buildings (98.8% of 11,092) 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. At 11,092 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How Miami Beach compares
Inside Florida, Miami Beach sits at just the 27th percentile even though it scores 70th nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Miami Beach ranks 9,322 for wildfire risk (1 is highest) and 1,432 by building count (1 is largest). Within Florida alone, it ranks 699 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Miami Beach and the insurance market
Miami Beach's high rating (70th 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.
Hardening a home in Miami Beach
Miami Beach's 98.8% 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.
Where Miami Beach's figures come from
Every one of the two percentiles behind Miami Beach's 9,322-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Miami Beach's dominant minimal exposure actually means, with real examples from across the dataset.