Ormond Beach, FL
How exposed is Ormond Beach to wildfire?
Ormond Beach sits at the 93rd percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 20,369 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Ormond Beach at the 93rd national percentile — 0 points below its risk-to-structures score, a gap driven by how much is actually built there.
Ormond Beach's building exposure, zone by zone
Only 29.7% of Ormond Beach's 20,369 buildings carry Direct exposure and 23.9% carry Indirect; the remaining 46.4% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure. At 20,369 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Ormond Beach against the rest of the country
There's little gap between Ormond Beach's 93rd national percentile and its 87th percentile inside Florida, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Ormond Beach ranks 2,230 for wildfire risk (1 is highest) and 691 by building count (1 is largest). Within Florida alone, it ranks 122 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Ormond Beach and the insurance market
At the 93rd percentile nationally, Ormond 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
Even with 46.4% of Ormond Beach outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where Ormond Beach's figures come from
Every one of the two percentiles behind Ormond Beach's 2,230-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Ormond Beach's dominant minimal exposure actually means, with real examples from across the dataset.