River Ridge, FL
River Ridge, FL's wildfire risk, in USFS's own numbers
USFS scores River Ridge at the 96th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 2,164 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, River Ridge's burn probability — fire likelihood with no building count factored in — sits at the 96th percentile nationally.
Where River Ridge's buildings actually sit
Indirect exposure is dominant in River Ridge (84% of 2,164 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 16% sit in the Direct zone.
Where River Ridge ranks
River Ridge's risk sits at a similar level relative to Florida (94th percentile statewide) as it does nationally (96th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, River Ridge ranks 1,353 for wildfire risk (1 is highest) and 7,032 by building count (1 is largest). Within Florida alone, it ranks 56 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
River Ridge and the insurance market
River Ridge's 96th-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.
Hardening a home in River Ridge
With ember exposure the dominant pattern in River Ridge (84% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where River Ridge's figures come from
River Ridge's 96th-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 River Ridge's dominant indirect exposure actually means, with real examples from across the dataset.