Ridgecrest, FL
Ridgecrest wildfire risk explained
USFS scores Ridgecrest at the 59th national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 974 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Ridgecrest at the 58th national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Ridgecrest's buildings actually sit
Most of Ridgecrest's buildings (90.5% of 974) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
Ridgecrest against the rest of the country
Ridgecrest ranks lower within Florida (13th percentile statewide) than its 59th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Ridgecrest ranks 13,006 for wildfire risk (1 is highest) and 12,110 by building count (1 is largest). Within Florida alone, it ranks 834 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
Ridgecrest's elevated wildfire rating (59th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Lowering exposure, not just insuring around it
Ridgecrest's 90.5% 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.
Where Ridgecrest's figures come from
The methodology guide shows exactly how USFS turned 974 counted buildings into the percentiles shown above for Ridgecrest. The exposure-zones guide covers what Ridgecrest's dominant minimal exposure actually means, with real examples from across the dataset.