Ocean Breeze, FL
Ocean Breeze wildfire risk explained
Ocean Breeze sits at the 79th 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 156 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Ocean Breeze at the 75th percentile, close to its 79th-percentile risk score.
Where Ocean Breeze's buildings actually sit
Most of Ocean Breeze's buildings (71.2%) sit in the Indirect zone, where wind-blown embers rather than flame front are the mechanism USFS is scoring — ember-resistant vents and non-combustible roofing are the interventions this pattern favors, more than defensible space alone.
How Ocean Breeze compares
Ocean Breeze's 79th national percentile looks worse in isolation than its 46th ranking inside Florida does — this place is on the milder end for its own state, by 33 points. Among the 31,521 US communities USFS scores, Ocean Breeze ranks 6,587 for wildfire risk (1 is highest) and 26,605 by building count (1 is largest). Within Florida alone, it ranks 519 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Ocean Breeze and the insurance market
Ocean Breeze's high rating (79th 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 ember exposure the dominant pattern in Ocean Breeze (71.2% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
The methodology guide shows exactly how USFS turned 156 counted buildings into the percentiles shown above for Ocean Breeze. For more on what indirect exposure implies beyond Ocean Breeze, see the exposure-zones guide.