Canoe Creek, PA
Canoe Creek wildfire risk explained
Canoe Creek sits at the 54th percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 65 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Canoe Creek at the 52nd national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Canoe Creek's buildings actually sit
Direct exposure dominates in Canoe Creek: 75.4% of its 65 buildings, versus 24.6% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Canoe Creek against the rest of the country
Within Pennsylvania, Canoe Creek ranks higher (89th percentile) than it does nationally (54th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Canoe Creek ranks 14,601 for wildfire risk (1 is highest) and 30,475 by building count (1 is largest). Within Pennsylvania alone, it ranks 222 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
Canoe Creek's elevated wildfire rating (54th 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
Canoe Creek's 75.4% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
The methodology guide shows exactly how USFS turned 65 counted buildings into the percentiles shown above for Canoe Creek. For more on what direct exposure implies beyond Canoe Creek, see the exposure-zones guide.