Pea Ridge, FL
Pea Ridge, FL's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Pea Ridge lands at the 78th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 1,545 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Pea Ridge's burn probability — fire likelihood with no building count factored in — sits at the 79th percentile nationally.
Pea Ridge's building exposure, zone by zone
54.9% of Pea Ridge's 1,545 buildings sit in USFS's Direct exposure zone, roughly 848 structures close enough to burnable vegetation for flame contact, not just embers — 45.1% fall in the Indirect, ember-only zone and 0% are Minimal.
How Pea Ridge compares
Pea Ridge's 78th national percentile looks worse in isolation than its 44th ranking inside Florida does — this place is on the milder end for its own state, by 35 points. Among the 31,521 US communities USFS scores, Pea Ridge ranks 6,835 for wildfire risk (1 is highest) and 8,968 by building count (1 is largest). Within Florida alone, it ranks 537 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
Pea Ridge's high rating (78th 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.
Hardening a home in Pea Ridge
Pea Ridge's 54.9% 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 Pea Ridge's figures come from
Pea Ridge's 78th-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 Pea Ridge's dominant direct exposure actually means, with real examples from across the dataset.