Miramar Beach, FL
Miramar Beach, FL's wildfire risk, in USFS's own numbers
USFS scores Miramar Beach at the 75th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 6,415 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Miramar Beach's burn probability — fire likelihood with no building count factored in — sits at the 70th percentile nationally.
Where Miramar Beach's buildings actually sit
Most of Miramar Beach's buildings (65.5% of 6,415) 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 6,415 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How Miramar Beach compares
Miramar Beach ranks lower within Florida (36th percentile statewide) than its 75th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Miramar Beach ranks 7,911 for wildfire risk (1 is highest) and 2,703 by building count (1 is largest). Within Florida alone, it ranks 609 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
Miramar Beach's high rating (75th 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 Miramar Beach
With 65.5% of buildings rated Minimal exposure, Miramar Beach gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Miramar Beach's figures come from
Miramar Beach's 75th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Miramar Beach's dominant minimal exposure actually means, with real examples from across the dataset.