Oriole Beach, FL
How exposed is Oriole Beach to wildfire?
USFS's Wildfire Risk to Communities model puts Oriole Beach at the 82nd national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 743 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Oriole Beach's burn probability — fire likelihood with no building count factored in — sits at the 80th percentile nationally.
Where Oriole Beach's buildings actually sit
Oriole Beach rates 81.6% Minimal exposure against just 18.4% Direct and 0% Indirect — of 743 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
How Oriole Beach compares
Inside Florida, Oriole Beach sits at just the 54th percentile even though it scores 82nd 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, Oriole Beach ranks 5,639 for wildfire risk (1 is highest) and 14,192 by building count (1 is largest). Within Florida alone, it ranks 441 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Shopping for coverage in Oriole Beach
At the 82nd percentile nationally, Oriole Beach carries the very 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
With 81.6% of buildings rated Minimal exposure, Oriole Beach gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Oriole Beach's figures come from
The methodology guide shows exactly how USFS turned 743 counted buildings into the percentiles shown above for Oriole Beach. The exposure-zones guide covers what Oriole Beach's dominant minimal exposure actually means, with real examples from across the dataset.