Palm Beach Shores, FL
Palm Beach Shores wildfire risk explained
USFS's Wildfire Risk to Communities model puts Palm Beach Shores at the 48th national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 468 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Palm Beach Shores's burn probability — fire likelihood with no building count factored in — sits at the 46th percentile nationally.
Palm Beach Shores's building exposure, zone by zone
Palm Beach Shores rates 99.8% Minimal exposure against just 0.2% Direct and 0% Indirect — of 468 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
How Palm Beach Shores compares
Palm Beach Shores ranks lower within Florida (3rd percentile statewide) than its 48th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Palm Beach Shores ranks 16,445 for wildfire risk (1 is highest) and 17,915 by building count (1 is largest). Within Florida alone, it ranks 930 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Palm Beach Shores and the insurance market
Palm Beach Shores's elevated rating (48th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Even with 99.8% of Palm Beach Shores 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.
More on how this number was built
Every one of the two percentiles behind Palm Beach Shores's 16,445-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Palm Beach Shores, see the exposure-zones guide.