Arnold City, PA
Arnold City, PA's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Arnold City at the 32nd national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 216 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Arnold City's burn probability — fire likelihood with no building count factored in — sits at the 34th percentile nationally.
Arnold City's building exposure, zone by zone
216 buildings are counted in Arnold City, and 52.8% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
Where Arnold City ranks
Arnold City scores 32nd nationally and 42nd within Pennsylvania — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Arnold City ranks 21,567 for wildfire risk (1 is highest) and 24,284 by building count (1 is largest). Within Pennsylvania alone, it ranks 1,155 of 1,991 places by risk. See the full county-by-county picture for Pennsylvania on its state page.
What this risk score means for insurance
Arnold City's moderate wildfire rating (32nd 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.
What would actually reduce this score
Because Direct exposure dominates in Arnold City (52.8%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
Arnold City's 32nd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Arnold City, see the exposure-zones guide.