Niceville, FL
Niceville, FL's wildfire risk, in USFS's own numbers
Niceville's 6,721 buildings earn a 78th-percentile wildfire-risk score nationally under USFS's model — well above the national norm for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Niceville at the 78th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Niceville's buildings actually sit
Niceville rates 49.3% Minimal exposure against just 28.4% Direct and 22.4% Indirect — of 6,721 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually. At 6,721 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How Niceville compares
Inside Florida, Niceville sits at just the 42nd percentile even though it scores 78th 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, Niceville ranks 7,084 for wildfire risk (1 is highest) and 2,577 by building count (1 is largest). Within Florida alone, it ranks 555 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
Niceville's 78th-percentile, 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 Niceville
Even with 49.3% of Niceville outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where Niceville's figures come from
Niceville's 78th-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 Niceville's dominant minimal exposure actually means, with real examples from across the dataset.