North Miami, FL
North Miami wildfire risk explained
North Miami sits at the 72nd percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 11,202 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks North Miami 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's buildings actually sit
USFS classifies 95.2% of North Miami's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 4.8% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one. At 11,202 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where North Miami ranks
Inside Florida, North Miami sits at just the 30th percentile even though it scores 72nd 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 ranks 8,850 for wildfire risk (1 is highest) and 1,412 by building count (1 is largest). Within Florida alone, it ranks 668 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
North Miami and the insurance market
At the 72nd percentile nationally, North Miami carries the high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
What would actually reduce this score
North Miami's 95.2% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
Where North Miami's figures come from
North Miami's 72nd-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 Miami's dominant minimal exposure actually means, with real examples from across the dataset.