Darby, PA
How exposed is Darby to wildfire?
Darby sits at the 22nd percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 1,536 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Darby at the 24th national percentile — 3 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Darby's buildings actually sit
Darby rates 96.9% Minimal exposure against just 3.1% Direct and 0% Indirect — of 1,536 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Where Darby ranks
There's little gap between Darby's 22nd national percentile and its 24th percentile inside Pennsylvania, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Darby ranks 24,751 for wildfire risk (1 is highest) and 9,007 by building count (1 is largest). Within Pennsylvania alone, it ranks 1,520 of 1,991 places by risk. See the full county-by-county picture for Pennsylvania on its state page.
Darby and the insurance market
Darby's moderate rating (22nd percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
Darby's 96.9% 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.
Where Darby's figures come from
Every one of the two percentiles behind Darby's 24,751-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Darby's dominant minimal exposure actually means, with real examples from across the dataset.