West Pensacola, FL
West Pensacola wildfire risk explained
West Pensacola's 10,403 buildings earn a 71st-percentile wildfire-risk score nationally under USFS's model — well above the national norm for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks West Pensacola at the 72nd national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where West Pensacola's buildings actually sit
Most of West Pensacola's buildings (76.3% of 10,403) 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. At 10,403 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How West Pensacola compares
Inside Florida, West Pensacola sits at just the 27th percentile even though it scores 71st 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, West Pensacola ranks 9,262 for wildfire risk (1 is highest) and 1,530 by building count (1 is largest). Within Florida alone, it ranks 696 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
West Pensacola's high rating (71st 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
West Pensacola's 76.3% 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
The methodology guide shows exactly how USFS turned 10,403 counted buildings into the percentiles shown above for West Pensacola. For more on what minimal exposure implies beyond West Pensacola, see the exposure-zones guide.