Miami Gardens, FL
Miami Gardens wildfire risk explained
Miami Gardens sits at the 66th percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 27,517 counted buildings, not vegetation cover alone. (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 Gardens at the 68th percentile, close to its 66th-percentile risk score.
Miami Gardens's building exposure, zone by zone
Most of Miami Gardens's buildings (97.8% of 27,517) 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 27,517 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Miami Gardens against the rest of the country
Miami Gardens ranks lower within Florida (21st percentile statewide) than its 66th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Miami Gardens ranks 10,738 for wildfire risk (1 is highest) and 447 by building count (1 is largest). Within Florida alone, it ranks 754 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Miami Gardens and the insurance market
At the 66th percentile nationally, Miami Gardens carries the 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 97.8% of buildings rated Minimal exposure, Miami Gardens gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
The methodology guide shows exactly how USFS turned 27,517 counted buildings into the percentiles shown above for Miami Gardens. For more on what minimal exposure implies beyond Miami Gardens, see the exposure-zones guide.