Bell Acres, PA
Bell Acres wildfire risk explained
Bell Acres sits at the 38th percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 842 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Bell Acres at the 38th percentile, close to its 38th-percentile risk score.
Where Bell Acres's buildings actually sit
842 buildings are counted in Bell Acres, and 92.5% 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.
How Bell Acres compares
Within Pennsylvania, Bell Acres ranks higher (57th percentile) than it does nationally (38th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Bell Acres ranks 19,612 for wildfire risk (1 is highest) and 13,235 by building count (1 is largest). Within Pennsylvania alone, it ranks 860 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
Bell Acres's moderate wildfire rating (38th 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
With 92.5% of Bell Acres in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Bell Acres's 19,612-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Bell Acres, see the exposure-zones guide.