Pearl River, LA
Pearl River, LA's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Pearl River at the 90th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 1,394 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Pearl River's burn probability — fire likelihood with no building count factored in — sits at the 91st percentile nationally.
What "at risk" means for the buildings here
USFS classifies 69.7% of Pearl River's buildings as Direct exposure, higher than its 30.3% Indirect share and far above its 0% Minimal share — a profile where 971 structures sit close enough to vegetation that lot clearing matters most.
Where Pearl River ranks
There's little gap between Pearl River's 90th national percentile and its 98th percentile inside Louisiana, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Pearl River ranks 3,279 for wildfire risk (1 is highest) and 9,657 by building count (1 is largest). Within Louisiana alone, it ranks 10 of 488 places by risk. See the full county-by-county picture for Louisiana on its state page.
What this risk score means for insurance
Pearl River's very high rating (90th 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
With 69.7% of Pearl River in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Pearl River's figures come from
The methodology guide shows exactly how USFS turned 1,394 counted buildings into the percentiles shown above for Pearl River. The exposure-zones guide covers what Pearl River's dominant direct exposure actually means, with real examples from across the dataset.