Neptune Beach, FL
Neptune Beach, FL's wildfire risk, in USFS's own numbers
Neptune Beach's 3,192 buildings earn a 85th-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 Neptune Beach at the 77th percentile, close to its 85th-percentile risk score.
Neptune Beach's building exposure, zone by zone
USFS classifies 80.5% of Neptune Beach's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 19.5% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Where Neptune Beach ranks
Neptune Beach's 85th national percentile looks worse in isolation than its 65th ranking inside Florida does — this place is on the milder end for its own state, by 20 points. Among the 31,521 US communities USFS scores, Neptune Beach ranks 4,664 for wildfire risk (1 is highest) and 5,175 by building count (1 is largest). Within Florida alone, it ranks 333 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Shopping for coverage in Neptune Beach
Neptune Beach's 85th-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 Neptune Beach
With 80.5% of buildings rated Minimal exposure, Neptune Beach 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
Every one of the two percentiles behind Neptune Beach's 4,664-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Neptune Beach, see the exposure-zones guide.