Cumbola, PA
How exposed is Cumbola to wildfire?
Out of every US place USFS scores, Cumbola lands at the 57th percentile for wildfire risk to structures — modestly above the national average for wildfire risk — a figure built from its 166 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Cumbola's burn probability — fire likelihood with no building count factored in — sits at the 56th percentile nationally.
Cumbola's building exposure, zone by zone
Indirect exposure is dominant in Cumbola (73.5% of 166 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 26.5% sit in the Direct zone.
Where Cumbola ranks
Within Pennsylvania, Cumbola ranks higher (93rd percentile) than it does nationally (57th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Cumbola ranks 13,684 for wildfire risk (1 is highest) and 26,190 by building count (1 is largest). Within Pennsylvania alone, it ranks 139 of 1,991 places by risk. See the full county-by-county picture for Pennsylvania on its state page.
Cumbola and the insurance market
At the 57th national percentile, Cumbola rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
What would actually reduce this score
With ember exposure the dominant pattern in Cumbola (73.5% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
Cumbola's 57th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Cumbola, see the exposure-zones guide.