Woodlawn Beach, FL
Woodlawn Beach wildfire risk explained
Out of every US place USFS scores, Woodlawn Beach lands at the 81st percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 1,123 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Woodlawn Beach at the 78th percentile, close to its 81st-percentile risk score.
Where Woodlawn Beach's buildings actually sit
Direct exposure dominates in Woodlawn Beach: 45.7% of its 1,123 buildings, versus 18.7% Indirect and 35.6% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where Woodlawn Beach ranks
Woodlawn Beach ranks lower within Florida (50th percentile statewide) than its 81st national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Woodlawn Beach ranks 6,015 for wildfire risk (1 is highest) and 11,129 by building count (1 is largest). Within Florida alone, it ranks 474 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
Woodlawn Beach's 81st-percentile, very 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.
What would actually reduce this score
Woodlawn Beach's 45.7% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where Woodlawn Beach's figures come from
Woodlawn Beach's 81st-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Woodlawn Beach's dominant direct exposure actually means, with real examples from across the dataset.