Ormond-by-the-Sea, FL
Ormond-by-the-Sea wildfire risk explained
Ormond-by-the-Sea's 4,314 buildings earn a 96th-percentile wildfire-risk score nationally under USFS's model — in USFS's highest wildfire-risk band nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Ormond-by-the-Sea's burn probability — fire likelihood with no building count factored in — sits at the 94th percentile nationally.
What "at risk" means for the buildings here
Most of Ormond-by-the-Sea's buildings (89.8% of 4,314) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
Where Ormond-by-the-Sea ranks
Ormond-by-the-Sea's risk sits at a similar level relative to Florida (96th percentile statewide) as it does nationally (96th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Ormond-by-the-Sea ranks 1,130 for wildfire risk (1 is highest) and 3,968 by building count (1 is largest). Within Florida alone, it ranks 40 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Shopping for coverage in Ormond-by-the-Sea
Ormond-by-the-Sea's 96th-percentile, very 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.
Hardening a home in Ormond-by-the-Sea
Ormond-by-the-Sea's 89.8% 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.
Where Ormond-by-the-Sea's figures come from
Every one of the two percentiles behind Ormond-by-the-Sea's 1,130-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Ormond-by-the-Sea's dominant minimal exposure actually means, with real examples from across the dataset.