Point Baker, FL
How exposed is Point Baker to wildfire?
Point Baker's 1,673 buildings earn a 83rd-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, Point Baker's burn probability — fire likelihood with no building count factored in — sits at the 84th percentile nationally.
What "at risk" means for the buildings here
Of Point Baker's 1,673 counted buildings, 86.9% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Point Baker against the rest of the country
Point Baker ranks lower within Florida (56th percentile statewide) than its 83rd national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Point Baker ranks 5,514 for wildfire risk (1 is highest) and 8,511 by building count (1 is largest). Within Florida alone, it ranks 426 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Shopping for coverage in Point Baker
Point Baker's 83rd-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 Point Baker
Because Direct exposure dominates in Point Baker (86.9%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 1,673 counted buildings into the percentiles shown above for Point Baker. For more on what direct exposure implies beyond Point Baker, see the exposure-zones guide.