Cross Keys, PA
Cross Keys, PA's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Cross Keys lands at the 27th percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 248 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Cross Keys at the 27th percentile, close to its 27th-percentile risk score.
Cross Keys's building exposure, zone by zone
87.1% of Cross Keys's 248 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 12.9% Direct and 0% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
How Cross Keys compares
There's little gap between Cross Keys's 27th national percentile and its 32nd percentile inside Pennsylvania, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Cross Keys ranks 23,114 for wildfire risk (1 is highest) and 23,224 by building count (1 is largest). Within Pennsylvania alone, it ranks 1,357 of 1,991 places by risk. See the full county-by-county picture for Pennsylvania on its state page.
Shopping for coverage in Cross Keys
Cross Keys's moderate rating (27th 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
Cross Keys's 87.1% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
Where Cross Keys's figures come from
The methodology guide shows exactly how USFS turned 248 counted buildings into the percentiles shown above for Cross Keys. The exposure-zones guide covers what Cross Keys's dominant indirect exposure actually means, with real examples from across the dataset.