North Fort Myers, FL
How exposed is North Fort Myers to wildfire?
North Fort Myers's 28,877 buildings earn a 96th-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 North Fort Myers at the 96th percentile, close to its 96th-percentile risk score.
North Fort Myers's building exposure, zone by zone
Only 22.4% of North Fort Myers's 28,877 buildings carry Direct exposure and 28.5% carry Indirect; the remaining 49.1% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure. At 28,877 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
North Fort Myers against the rest of the country
North Fort Myers scores 96th nationally and 94th within Florida — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, North Fort Myers ranks 1,352 for wildfire risk (1 is highest) and 407 by building count (1 is largest). Within Florida alone, it ranks 55 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
North Fort Myers and the insurance market
North Fort Myers's 96th-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 North Fort Myers
Even with 49.1% of North Fort Myers 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.
More on how this number was built
North Fort Myers's 96th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond North Fort Myers, see the exposure-zones guide.