Cheltenham Village, PA
Cheltenham Village wildfire risk explained
USFS's Wildfire Risk to Communities model puts Cheltenham Village at the 20th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 559 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Cheltenham Village's burn probability — fire likelihood with no building count factored in — sits at the 21st percentile nationally.
Where Cheltenham Village's buildings actually sit
Cheltenham Village rates 92.3% Minimal exposure against just 7.7% Direct and 0% Indirect — of 559 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Cheltenham Village against the rest of the country
Cheltenham Village scores 20th nationally and 21st 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, Cheltenham Village ranks 25,382 for wildfire risk (1 is highest) and 16,431 by building count (1 is largest). Within Pennsylvania alone, it ranks 1,572 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
Cheltenham Village's low rating (20th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Even with 92.3% of Cheltenham Village outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Cheltenham Village's 25,382-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Cheltenham Village, see the exposure-zones guide.