Wildfires are a growing risk for homeowners. Here are the states most in danger.

Americans facing the toughest housing market in years aren't just facing high property prices and rising mortgage rates — they're also grappling with the risk of natural disasters, such as floods, tornadoes and, increasingly, wildfires. 

Fires are getting more intense and more frequent due to climate change, which is drying out vegetation and making fires more likely to spark and burn longer. Notably, that's also increasing the likelihood of wildfires in areas known for temperate and humid climates. 

As a result, Florida now has the third-largest number of properties at risk for fire, after California and Texas, according to new data from the First Street Foundation. Today, 3.9 million properties in the state — or 4 in 10 — face some risk of wildfire, according to First Street. California has the most properties with some wildfire risk, at 4.6 million, while Texas has 4.5 million, according to First Street.