Miami, TX
Miami, TX's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Miami at the 99th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 527 actual buildings. (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 at the 100th percentile, close to its 99th-percentile risk score.
Miami's building exposure, zone by zone
USFS puts 65.1% of Miami's 527 buildings in the Indirect exposure zone, versus 34.9% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Miami against the rest of the country
Miami scores 99th nationally and 100th within Texas — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Miami ranks 265 for wildfire risk (1 is highest) and 16,914 by building count (1 is largest). Within Texas alone, it ranks 9 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Shopping for coverage in Miami
At the 99th percentile nationally, Miami 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.
Hardening a home in Miami
With ember exposure the dominant pattern in Miami (65.1% 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
Every one of the two percentiles behind Miami's 265-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Miami, see the exposure-zones guide.