Sunny Isles Beach, FL
Sunny Isles Beach wildfire risk explained
USFS's Wildfire Risk to Communities model puts Sunny Isles Beach at the 75th national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 923 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Sunny Isles Beach at the 76th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Sunny Isles Beach rates 98.6% Minimal exposure against just 1.4% Direct and 0% Indirect — of 923 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Sunny Isles Beach against the rest of the country
Inside Florida, Sunny Isles Beach sits at just the 36th percentile even though it scores 75th 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, Sunny Isles Beach ranks 7,967 for wildfire risk (1 is highest) and 12,525 by building count (1 is largest). Within Florida alone, it ranks 616 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Shopping for coverage in Sunny Isles Beach
Sunny Isles Beach's 75th-percentile, 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 Sunny Isles Beach
Sunny Isles Beach's 98.6% 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.
Where Sunny Isles Beach's figures come from
The methodology guide shows exactly how USFS turned 923 counted buildings into the percentiles shown above for Sunny Isles Beach. The exposure-zones guide covers what Sunny Isles Beach's dominant minimal exposure actually means, with real examples from across the dataset.