Sebastian, FL
Sebastian wildfire risk explained
USFS scores Sebastian at the 90th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 12,369 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Sebastian's burn probability — fire likelihood with no building count factored in — sits at the 91st percentile nationally.
Where Sebastian's buildings actually sit
Only 32.2% of Sebastian's 12,369 buildings carry Direct exposure and 21.7% carry Indirect; the remaining 46.1% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure. At 12,369 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Sebastian ranks
Sebastian scores 90th nationally and 82nd 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, Sebastian ranks 3,025 for wildfire risk (1 is highest) and 1,246 by building count (1 is largest). Within Florida alone, it ranks 174 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Shopping for coverage in Sebastian
Sebastian's 90th-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 Sebastian
Sebastian's 46.1% 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.
More on how this number was built
Sebastian's 90th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Sebastian, see the exposure-zones guide.