Cross Creek, PA
Cross Creek, PA's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Cross Creek lands at the 40th percentile for wildfire risk to structures — modestly above the national average for wildfire risk — a figure built from its 91 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Cross Creek's burn probability — fire likelihood with no building count factored in — sits at the 43rd percentile nationally.
Cross Creek's building exposure, zone by zone
91 buildings are counted in Cross Creek, and 76.9% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
How Cross Creek compares
Within Pennsylvania, Cross Creek ranks higher (64th percentile) than it does nationally (40th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Cross Creek ranks 18,854 for wildfire risk (1 is highest) and 29,470 by building count (1 is largest). Within Pennsylvania alone, it ranks 729 of 1,991 places by risk. See the full county-by-county picture for Pennsylvania on its state page.
Cross Creek and the insurance market
Cross Creek's elevated wildfire rating (40th 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 Cross Creek (76.9%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Cross Creek's figures come from
Cross Creek's 40th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Cross Creek's dominant direct exposure actually means, with real examples from across the dataset.