Vilano Beach, FL
Vilano Beach, FL's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Vilano Beach lands at the 79th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 1,460 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Vilano Beach's burn probability — fire likelihood with no building count factored in — sits at the 70th percentile nationally.
What "at risk" means for the buildings here
89.5% of Vilano Beach's 1,460 buildings sit in USFS's Minimal exposure zone, with only 10.5% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
How Vilano Beach compares
Vilano Beach ranks lower within Florida (44th percentile statewide) than its 79th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Vilano Beach ranks 6,770 for wildfire risk (1 is highest) and 9,354 by building count (1 is largest). Within Florida alone, it ranks 535 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Vilano Beach and the insurance market
Vilano Beach's 79th-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 Vilano Beach
Vilano Beach's 89.5% 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
The methodology guide shows exactly how USFS turned 1,460 counted buildings into the percentiles shown above for Vilano Beach. For more on what minimal exposure implies beyond Vilano Beach, see the exposure-zones guide.