Tavernier, FL
How exposed is Tavernier to wildfire?
Tavernier sits at the 73rd percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 1,547 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Tavernier at the 74th percentile, close to its 73rd-percentile risk score.
What "at risk" means for the buildings here
Only 14.1% of Tavernier's 1,547 buildings carry Direct exposure and 0% carry Indirect; the remaining 85.9% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Tavernier against the rest of the country
Inside Florida, Tavernier sits at just the 32nd percentile even though it scores 73rd 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, Tavernier ranks 8,600 for wildfire risk (1 is highest) and 8,963 by building count (1 is largest). Within Florida alone, it ranks 654 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Shopping for coverage in Tavernier
At the 73rd percentile nationally, Tavernier carries the 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.
Lowering exposure, not just insuring around it
With 85.9% of buildings rated Minimal exposure, Tavernier gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
Every one of the two percentiles behind Tavernier's 8,600-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Tavernier, see the exposure-zones guide.