North Bay Village, FL
North Bay Village wildfire risk explained
Out of every US place USFS scores, North Bay Village lands at the 59th percentile for wildfire risk to structures — modestly above the national average for wildfire risk — a figure built from its 563 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks North Bay Village at the 67th national percentile — 8 points above its risk-to-structures score, a gap driven by how much is actually built there.
North Bay Village's building exposure, zone by zone
North Bay Village rates 99.5% Minimal exposure against just 0.5% Direct and 0% Indirect — of 563 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
North Bay Village against the rest of the country
Inside Florida, North Bay Village sits at just the 13th percentile even though it scores 59th 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, North Bay Village ranks 13,005 for wildfire risk (1 is highest) and 16,351 by building count (1 is largest). Within Florida alone, it ranks 833 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
North Bay Village and the insurance market
North Bay Village's elevated rating (59th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in North Bay Village
Even with 99.5% of North Bay Village 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 North Bay Village's figures come from
North Bay Village's 59th-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 North Bay Village's dominant minimal exposure actually means, with real examples from across the dataset.