Elrama, PA
Elrama, PA's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Elrama lands at the 36th percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 223 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 Elrama at the 38th percentile, close to its 36th-percentile risk score.
What "at risk" means for the buildings here
USFS puts 98.2% of Elrama's 223 buildings in the Indirect exposure zone, versus 1.8% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
How Elrama compares
Elrama's 53rd-percentile standing inside Pennsylvania outpaces its 36th national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Elrama ranks 20,148 for wildfire risk (1 is highest) and 24,029 by building count (1 is largest). Within Pennsylvania alone, it ranks 949 of 1,991 places by risk. See the full county-by-county picture for Pennsylvania on its state page.
What this risk score means for insurance
At the 36th national percentile, Elrama rates moderate 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 Elrama (98.2% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Elrama's figures come from
The methodology guide shows exactly how USFS turned 223 counted buildings into the percentiles shown above for Elrama. The exposure-zones guide covers what Elrama's dominant indirect exposure actually means, with real examples from across the dataset.