St. George Island, FL
St. George Island, FL's wildfire risk, in USFS's own numbers
St. George Island's 1,977 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, St. George Island's burn probability — fire likelihood with no building count factored in — sits at the 74th percentile nationally.
Where St. George Island's buildings actually sit
Most of St. George Island's buildings (85.7% of 1,977) 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.
St. George Island against the rest of the country
St. George Island 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, St. George Island ranks 5,480 for wildfire risk (1 is highest) and 7,541 by building count (1 is largest). Within Florida alone, it ranks 424 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
What this risk score means for insurance
At the 83rd percentile nationally, St. George Island carries the very high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
What would actually reduce this score
St. George Island's 85.7% 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
St. George Island's 83rd-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 St. George Island, see the exposure-zones guide.