Pensacola Station, FL
Pensacola Station wildfire risk explained
Pensacola Station's 598 buildings earn a 84th-percentile wildfire-risk score nationally under USFS's model — in USFS's highest wildfire-risk band nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Pensacola Station at the 83rd national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
59.5% of Pensacola Station's 598 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 14.7% Direct and 25.8% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
How Pensacola Station compares
Pensacola Station ranks lower within Florida (62nd percentile statewide) than its 84th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Pensacola Station ranks 4,915 for wildfire risk (1 is highest) and 15,857 by building count (1 is largest). Within Florida alone, it ranks 364 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
Pensacola Station's 84th-percentile, very high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Lowering exposure, not just insuring around it
Pensacola Station's 59.5% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 598 counted buildings into the percentiles shown above for Pensacola Station. For more on what indirect exposure implies beyond Pensacola Station, see the exposure-zones guide.