Miami Shores, FL
How exposed is Miami Shores to wildfire?
Miami Shores sits at the 60th percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 3,736 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 Shores at the 67th percentile, close to its 60th-percentile risk score.
Miami Shores's building exposure, zone by zone
95% of Miami Shores's 3,736 buildings sit in USFS's Minimal exposure zone, with only 5% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Miami Shores against the rest of the country
Miami Shores's 60th national percentile looks worse in isolation than its 14th ranking inside Florida does — this place is on the milder end for its own state, by 46 points. Among the 31,521 US communities USFS scores, Miami Shores ranks 12,723 for wildfire risk (1 is highest) and 4,485 by building count (1 is largest). Within Florida alone, it ranks 823 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
Miami Shores's elevated wildfire rating (60th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Hardening a home in Miami Shores
With 95% of buildings rated Minimal exposure, Miami Shores gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Miami Shores's figures come from
Every one of the two percentiles behind Miami Shores's 12,723-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Miami Shores's dominant minimal exposure actually means, with real examples from across the dataset.