Cherry Tree, PA
Cherry Tree wildfire risk explained
Cherry Tree sits at the 45th 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 193 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Cherry Tree at the 46th percentile, close to its 45th-percentile risk score.
Where Cherry Tree's buildings actually sit
Direct exposure dominates in Cherry Tree: 72% of its 193 buildings, versus 28% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
How Cherry Tree compares
Cherry Tree's 73rd-percentile standing inside Pennsylvania outpaces its 45th national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Cherry Tree ranks 17,313 for wildfire risk (1 is highest) and 25,131 by building count (1 is largest). Within Pennsylvania alone, it ranks 546 of 1,991 places by risk. See the full county-by-county picture for Pennsylvania on its state page.
Cherry Tree and the insurance market
Cherry Tree's elevated wildfire rating (45th 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
Because Direct exposure dominates in Cherry Tree (72%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Cherry Tree's figures come from
Every one of the two percentiles behind Cherry Tree's 17,313-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Cherry Tree's dominant direct exposure actually means, with real examples from across the dataset.