Clay, PA
Clay, PA's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Clay lands at the 7th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 818 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Clay at the 6th national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Clay's buildings actually sit
Most of Clay's buildings (70.8% of 818) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
How Clay compares
Clay's risk sits at a similar level relative to Pennsylvania (4th percentile statewide) as it does nationally (7th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Clay ranks 29,323 for wildfire risk (1 is highest) and 13,476 by building count (1 is largest). Within Pennsylvania alone, it ranks 1,908 of 1,991 places by risk. See the full county-by-county picture for Pennsylvania on its state page.
Clay and the insurance market
Clay's low wildfire rating (7th 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 Clay
Clay's 70.8% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Clay's 29,323-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Clay, see the exposure-zones guide.