Elco, PA
Elco, PA's wildfire risk, in USFS's own numbers
USFS scores Elco at the 37th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 197 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Elco's burn probability — fire likelihood with no building count factored in — sits at the 39th percentile nationally.
Elco's building exposure, zone by zone
USFS puts 74.1% of Elco's 197 buildings in the Indirect exposure zone, versus 22.8% Direct and 3.1% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Where Elco ranks
Within Pennsylvania, Elco ranks higher (56th percentile) than it does nationally (37th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Elco ranks 19,775 for wildfire risk (1 is highest) and 24,971 by building count (1 is largest). Within Pennsylvania alone, it ranks 886 of 1,991 places by risk. See the full county-by-county picture for Pennsylvania on its state page.
Shopping for coverage in Elco
Elco's moderate rating (37th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Elco
With ember exposure the dominant pattern in Elco (74.1% 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
Elco's 37th-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 Elco, see the exposure-zones guide.