Clearfield, PA
How exposed is Clearfield to wildfire?
USFS scores Clearfield at the 48th national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 3,053 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Clearfield's burn probability — fire likelihood with no building count factored in — sits at the 49th percentile nationally.
What "at risk" means for the buildings here
94.8% of Clearfield's 3,053 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 5.2% Direct and 0% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
How Clearfield compares
Compare Clearfield's two percentiles: 78th within Pennsylvania, only 48th nationally — a gap of 30 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Clearfield ranks 16,364 for wildfire risk (1 is highest) and 5,353 by building count (1 is largest). Within Pennsylvania alone, it ranks 435 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
Clearfield's elevated wildfire rating (48th 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 Clearfield
Because 94.8% of Clearfield's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
Where Clearfield's figures come from
The methodology guide shows exactly how USFS turned 3,053 counted buildings into the percentiles shown above for Clearfield. The exposure-zones guide covers what Clearfield's dominant indirect exposure actually means, with real examples from across the dataset.