Winter Beach, FL
Winter Beach, FL's wildfire risk, in USFS's own numbers
Winter Beach sits at the 80th 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 1,671 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Winter Beach at the 80th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Winter Beach's buildings actually sit
1,671 buildings are counted in Winter Beach, and 48.4% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 39% rated Minimal.
Where Winter Beach ranks
Winter Beach's 80th national percentile looks worse in isolation than its 48th ranking inside Florida does — this place is on the milder end for its own state, by 32 points. Among the 31,521 US communities USFS scores, Winter Beach ranks 6,298 for wildfire risk (1 is highest) and 8,516 by building count (1 is largest). Within Florida alone, it ranks 499 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 80th percentile nationally, Winter Beach 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.
Hardening a home in Winter Beach
With 48.4% of Winter Beach in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Winter Beach's figures come from
The methodology guide shows exactly how USFS turned 1,671 counted buildings into the percentiles shown above for Winter Beach. The exposure-zones guide covers what Winter Beach's dominant direct exposure actually means, with real examples from across the dataset.