Bear Rocks, PA
Bear Rocks wildfire risk explained
Bear Rocks's 700 buildings earn a 44th-percentile wildfire-risk score nationally under USFS's model — modestly above the national average for wildfire risk. (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 Rocks at the 43rd percentile, close to its 44th-percentile risk score.
Bear Rocks's building exposure, zone by zone
USFS classifies 99.9% of Bear Rocks's buildings as Direct exposure, higher than its 0.1% Indirect share and far above its 0% Minimal share — a profile where 699 structures sit close enough to vegetation that lot clearing matters most.
How Bear Rocks compares
Within Pennsylvania, Bear Rocks ranks higher (71st percentile) than it does nationally (44th) — 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 Rocks ranks 17,696 for wildfire risk (1 is highest) and 14,658 by building count (1 is largest). Within Pennsylvania alone, it ranks 585 of 1,991 places by risk. See the full county-by-county picture for Pennsylvania on its state page.
Bear Rocks and the insurance market
Bear Rocks's elevated rating (44th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Bear Rocks (99.9%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Bear Rocks's figures come from
Every one of the two percentiles behind Bear Rocks's 17,696-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Bear Rocks's dominant direct exposure actually means, with real examples from across the dataset.