Carroll Valley, PA
Carroll Valley wildfire risk explained
USFS scores Carroll Valley at the 51st national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 1,677 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 Carroll Valley at the 49th percentile, close to its 51st-percentile risk score.
Carroll Valley's building exposure, zone by zone
1,677 buildings are counted in Carroll Valley, and 95.8% 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.
Carroll Valley against the rest of the country
Within Pennsylvania, Carroll Valley ranks higher (83rd percentile) than it does nationally (51st) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Carroll Valley ranks 15,608 for wildfire risk (1 is highest) and 8,501 by building count (1 is largest). Within Pennsylvania alone, it ranks 345 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
Carroll Valley's elevated wildfire rating (51st 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.
Hardening a home in Carroll Valley
With 95.8% of Carroll Valley 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.
Where Carroll Valley's figures come from
Carroll Valley's 51st-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 Carroll Valley's dominant direct exposure actually means, with real examples from across the dataset.