Charlottsville, PA
Charlottsville wildfire risk explained
Out of every US place USFS scores, Charlottsville lands at the 53rd percentile for wildfire risk to structures — modestly above the national average for wildfire risk — a figure built from its 42 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Charlottsville's burn probability — fire likelihood with no building count factored in — sits at the 52nd percentile nationally.
Where Charlottsville's buildings actually sit
Indirect exposure is dominant in Charlottsville (95.2% of 42 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 4.8% sit in the Direct zone.
Charlottsville against the rest of the country
Within Pennsylvania, Charlottsville ranks higher (87th percentile) than it does nationally (53rd) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Charlottsville ranks 14,915 for wildfire risk (1 is highest) and 31,122 by building count (1 is largest). Within Pennsylvania alone, it ranks 254 of 1,991 places by risk. See the full county-by-county picture for Pennsylvania on its state page.
Shopping for coverage in Charlottsville
Charlottsville's elevated rating (53rd percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
With ember exposure the dominant pattern in Charlottsville (95.2% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
Every one of the two percentiles behind Charlottsville's 14,915-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Charlottsville, see the exposure-zones guide.