Navarre, FL
Navarre wildfire risk explained
Navarre's 16,019 buildings earn a 86th-percentile wildfire-risk score nationally under USFS's model — in USFS's highest wildfire-risk band nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Navarre at the 85th percentile, close to its 86th-percentile risk score.
Where Navarre's buildings actually sit
Most of Navarre's buildings (38.9%) sit in the Indirect zone, where wind-blown embers rather than flame front are the mechanism USFS is scoring — ember-resistant vents and non-combustible roofing are the interventions this pattern favors, more than defensible space alone. At 16,019 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Navarre against the rest of the country
Inside Florida, Navarre sits at just the 68th percentile even though it scores 86th 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, Navarre ranks 4,410 for wildfire risk (1 is highest) and 914 by building count (1 is largest). Within Florida alone, it ranks 307 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Shopping for coverage in Navarre
Navarre's 86th-percentile, very high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Hardening a home in Navarre
With ember exposure the dominant pattern in Navarre (38.9% 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 Navarre's 4,410-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Navarre, see the exposure-zones guide.