Port St. Joe, FL
How exposed is Port St. Joe to wildfire?
USFS's Wildfire Risk to Communities model puts Port St. Joe at the 95th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 2,368 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Port St. Joe at the 94th percentile, close to its 95th-percentile risk score.
What "at risk" means for the buildings here
Most of Port St. Joe's buildings (74.2%) sit in the Indirect zone, where wind-blown embers rather than flame front are the mechanism USFS is scoring — ember-resistant vents and non-combustible roofing are the interventions this pattern favors, more than defensible space alone.
How Port St. Joe compares
Port St. Joe scores 95th nationally and 94th within Florida — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Port St. Joe ranks 1,476 for wildfire risk (1 is highest) and 6,570 by building count (1 is largest). Within Florida alone, it ranks 62 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Port St. Joe and the insurance market
Port St. Joe's very high rating (95th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
What would actually reduce this score
Because 74.2% of Port St. Joe's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
More on how this number was built
Port St. Joe's 95th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Port St. Joe, see the exposure-zones guide.