North Miami Beach, FL
North Miami Beach wildfire risk explained
North Miami Beach's 8,748 buildings earn a 73rd-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 North Miami Beach at the 74th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where North Miami Beach's buildings actually sit
99.2% of North Miami Beach's 8,748 buildings sit in USFS's Minimal exposure zone, with only 0.8% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself. At 8,748 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How North Miami Beach compares
Inside Florida, North Miami Beach sits at just the 31st percentile even though it scores 73rd 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 Miami Beach ranks 8,628 for wildfire risk (1 is highest) and 1,906 by building count (1 is largest). Within Florida alone, it ranks 656 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
North Miami Beach's high rating (73rd percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Lowering exposure, not just insuring around it
With 99.2% of buildings rated Minimal exposure, North Miami 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
The methodology guide shows exactly how USFS turned 8,748 counted buildings into the percentiles shown above for North Miami Beach. For more on what minimal exposure implies beyond North Miami Beach, see the exposure-zones guide.