St. Pete Beach, FL
St. Pete Beach, FL's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, St. Pete Beach lands at the 51st percentile for wildfire risk to structures — modestly above the national average for wildfire risk — a figure built from its 4,092 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, St. Pete Beach's burn probability — fire likelihood with no building count factored in — sits at the 51st percentile nationally.
Where St. Pete Beach's buildings actually sit
Only 0.8% of St. Pete Beach's 4,092 buildings carry Direct exposure and 0% carry Indirect; the remaining 99.2% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
St. Pete Beach against the rest of the country
Inside Florida, St. Pete Beach sits at just the 4th percentile even though it scores 51st nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, St. Pete Beach ranks 15,531 for wildfire risk (1 is highest) and 4,149 by building count (1 is largest). Within Florida alone, it ranks 913 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 51st national percentile, St. Pete Beach rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
St. Pete Beach's 99.2% 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
Every one of the two percentiles behind St. Pete Beach's 15,531-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond St. Pete Beach, see the exposure-zones guide.