Ashley, PA
Ashley wildfire risk explained
USFS's Wildfire Risk to Communities model puts Ashley at the 51st national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 1,351 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Ashley at the 50th percentile, close to its 51st-percentile risk score.
Where Ashley's buildings actually sit
USFS puts 94.6% of Ashley's 1,351 buildings in the Indirect exposure zone, versus 5.4% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
How Ashley compares
Within Pennsylvania, Ashley ranks higher (85th percentile) than it does nationally (51st) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Ashley ranks 15,356 for wildfire risk (1 is highest) and 9,826 by building count (1 is largest). Within Pennsylvania alone, it ranks 310 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
Ashley's elevated wildfire rating (51st 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
Ashley's 94.6% 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 1,351 counted buildings into the percentiles shown above for Ashley. For more on what indirect exposure implies beyond Ashley, see the exposure-zones guide.