Panaca, NV
Panaca wildfire risk explained
Panaca's 565 buildings earn a 73rd-percentile wildfire-risk score nationally under USFS's model — well above the national norm for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Panaca at the 69th national percentile — 4 points below its risk-to-structures score, a gap driven by how much is actually built there.
Panaca's building exposure, zone by zone
66% of Panaca's 565 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 34% Direct and 0% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
Where Panaca ranks
Panaca ranks lower within Nevada (28th percentile statewide) than its 73rd national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Panaca ranks 8,479 for wildfire risk (1 is highest) and 16,327 by building count (1 is largest). Within Nevada alone, it ranks 89 of 123 places by risk. See the full county-by-county picture for Nevada on its state page.
What this risk score means for insurance
Panaca's high rating (73rd percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Lowering exposure, not just insuring around it
Because 66% of Panaca's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
More on how this number was built
Panaca's 73rd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Panaca, see the exposure-zones guide.