Chapman, PA
Chapman wildfire risk explained
Chapman's 121 buildings earn a 23rd-percentile wildfire-risk score nationally under USFS's model — close to the middle of USFS's national wildfire-risk range. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Chapman at the 23rd national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
USFS classifies 80.2% of Chapman's buildings as Direct exposure, higher than its 0% Indirect share and far above its 19.8% Minimal share — a profile where 97 structures sit close enough to vegetation that lot clearing matters most.
Chapman against the rest of the country
Chapman scores 23rd nationally and 26th within Pennsylvania — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Chapman ranks 24,281 for wildfire risk (1 is highest) and 28,123 by building count (1 is largest). Within Pennsylvania alone, it ranks 1,479 of 1,991 places by risk. See the full county-by-county picture for Pennsylvania on its state page.
Shopping for coverage in Chapman
At the 23rd national percentile, Chapman rates moderate for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
With 80.2% of Chapman 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 Chapman's 24,281-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Chapman, see the exposure-zones guide.