West Miami, FL
West Miami wildfire risk explained
West Miami sits at the 55th percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 1,781 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, West Miami's burn probability — fire likelihood with no building count factored in — sits at the 64th percentile nationally.
Where West Miami's buildings actually sit
USFS classifies 98% of West Miami's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 2% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
How West Miami compares
West Miami's 55th national percentile looks worse in isolation than its 8th ranking inside Florida does — this place is on the milder end for its own state, by 47 points. Among the 31,521 US communities USFS scores, West Miami ranks 14,143 for wildfire risk (1 is highest) and 8,119 by building count (1 is largest). Within Florida alone, it ranks 876 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
West Miami's elevated rating (55th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
West Miami's 98% 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 1,781 counted buildings into the percentiles shown above for West Miami. For more on what minimal exposure implies beyond West Miami, see the exposure-zones guide.