Pebble Creek, FL
Pebble Creek wildfire risk explained
Pebble Creek sits at the 82nd percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 3,309 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Pebble Creek's burn probability — fire likelihood with no building count factored in — sits at the 82nd percentile nationally.
Pebble Creek's building exposure, zone by zone
Only 11.5% of Pebble Creek's 3,309 buildings carry Direct exposure and 41.2% carry Indirect; the remaining 47.3% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
How Pebble Creek compares
Inside Florida, Pebble Creek sits at just the 55th percentile even though it scores 82nd nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Pebble Creek ranks 5,573 for wildfire risk (1 is highest) and 5,032 by building count (1 is largest). Within Florida alone, it ranks 433 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Pebble Creek and the insurance market
Pebble Creek's very high rating (82nd 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.
What would actually reduce this score
Pebble Creek's 47.3% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
Pebble Creek's 82nd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Pebble Creek, see the exposure-zones guide.