Bear Creek Village, PA
How exposed is Bear Creek Village to wildfire?
USFS scores Bear Creek Village at the 70th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 188 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Bear Creek Village at the 68th percentile, close to its 70th-percentile risk score.
Where Bear Creek Village's buildings actually sit
USFS classifies 99.5% of Bear Creek Village's buildings as Direct exposure, higher than its 0% Indirect share and far above its 0.5% Minimal share — a profile where 187 structures sit close enough to vegetation that lot clearing matters most.
How Bear Creek Village compares
Within Pennsylvania, Bear Creek Village ranks higher (100th percentile) than it does nationally (70th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Bear Creek Village ranks 9,556 for wildfire risk (1 is highest) and 25,329 by building count (1 is largest). Within Pennsylvania alone, it ranks 5 of 1,991 places by risk. See the full county-by-county picture for Pennsylvania on its state page.
Shopping for coverage in Bear Creek Village
At the 70th percentile nationally, Bear Creek Village carries the high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Bear Creek Village (99.5%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Bear Creek Village's figures come from
Bear Creek Village's 70th-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 Bear Creek Village's dominant direct exposure actually means, with real examples from across the dataset.