Ocean Ridge, FL
Ocean Ridge, FL's wildfire risk, in USFS's own numbers
Ocean Ridge sits at the 55th percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 769 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Ocean Ridge's burn probability — fire likelihood with no building count factored in — sits at the 56th percentile nationally.
Ocean Ridge's building exposure, zone by zone
Only 5.9% of Ocean Ridge's 769 buildings carry Direct exposure and 0% carry Indirect; the remaining 94.2% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Ocean Ridge against the rest of the country
Inside Florida, Ocean Ridge sits at just the 8th percentile even though it scores 55th 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, Ocean Ridge ranks 14,270 for wildfire risk (1 is highest) and 13,925 by building count (1 is largest). Within Florida alone, it ranks 881 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
Ocean Ridge's elevated rating (55th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Ocean Ridge
Ocean Ridge's 94.2% 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.
More on how this number was built
Ocean Ridge's 55th-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 Ocean Ridge, see the exposure-zones guide.