Bear Creek, FL
How exposed is Bear Creek to wildfire?
Out of every US place USFS scores, Bear Creek lands at the 40th percentile for wildfire risk to structures — modestly above the national average for wildfire risk — a figure built from its 1,026 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 Bear Creek at the 45th percentile, close to its 40th-percentile risk score.
What "at risk" means for the buildings here
Most of Bear Creek's buildings (96.4% of 1,026) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
Bear Creek against the rest of the country
Bear Creek's 40th national percentile looks worse in isolation than its 1st ranking inside Florida does — this place is on the milder end for its own state, by 40 points. Among the 31,521 US communities USFS scores, Bear Creek ranks 18,868 for wildfire risk (1 is highest) and 11,749 by building count (1 is largest). Within Florida alone, it ranks 950 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Shopping for coverage in Bear Creek
Bear Creek's elevated rating (40th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
Even with 96.4% of Bear Creek outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Bear Creek's 18,868-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Bear Creek, see the exposure-zones guide.