Bala Cynwyd, PA
How exposed is Bala Cynwyd to wildfire?
Bala Cynwyd sits at the 20th percentile nationally for wildfire risk to structures — among the lower wildfire-risk places nationally — per USFS's Wildfire Risk to Communities model, built from its 2,520 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Bala Cynwyd's burn probability — fire likelihood with no building count factored in — sits at the 20th percentile nationally.
Bala Cynwyd's building exposure, zone by zone
USFS classifies 78.5% of Bala Cynwyd's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 21.6% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
How Bala Cynwyd compares
Bala Cynwyd's risk sits at a similar level relative to Pennsylvania (22nd percentile statewide) as it does nationally (20th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Bala Cynwyd ranks 25,256 for wildfire risk (1 is highest) and 6,267 by building count (1 is largest). Within Pennsylvania alone, it ranks 1,561 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
Bala Cynwyd's low wildfire rating (20th 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
Bala Cynwyd's 78.5% 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 Bala Cynwyd's figures come from
The methodology guide shows exactly how USFS turned 2,520 counted buildings into the percentiles shown above for Bala Cynwyd. The exposure-zones guide covers what Bala Cynwyd's dominant minimal exposure actually means, with real examples from across the dataset.