North River Shores, FL
How exposed is North River Shores to wildfire?
USFS scores North River Shores at the 76th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 1,251 real buildings rather than raw vegetation cover. (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 River Shores at the 74th percentile, close to its 76th-percentile risk score.
What "at risk" means for the buildings here
North River Shores rates 86.8% Minimal exposure against just 13.2% Direct and 0% Indirect — of 1,251 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
North River Shores against the rest of the country
North River Shores's 76th national percentile looks worse in isolation than its 37th ranking inside Florida does — this place is on the milder end for its own state, by 38 points. Among the 31,521 US communities USFS scores, North River Shores ranks 7,715 for wildfire risk (1 is highest) and 10,346 by building count (1 is largest). Within Florida alone, it ranks 598 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 River Shores's 76th-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.
Lowering exposure, not just insuring around it
North River Shores's 86.8% 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.
More on how this number was built
Every one of the two percentiles behind North River Shores's 7,715-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond North River Shores, see the exposure-zones guide.