Emerald Lakes, PA
Emerald Lakes, PA's wildfire risk, in USFS's own numbers
Emerald Lakes's 1,610 buildings earn a 51st-percentile wildfire-risk score nationally under USFS's model — modestly above the national average for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Emerald Lakes at the 50th national percentile — 0 points below its risk-to-structures score, a gap driven by how much is actually built there.
Emerald Lakes's building exposure, zone by zone
Direct exposure dominates in Emerald Lakes: 98.3% of its 1,610 buildings, versus 1.6% Indirect and 0.1% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where Emerald Lakes ranks
Emerald Lakes's 83rd-percentile standing inside Pennsylvania outpaces its 51st 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, Emerald Lakes ranks 15,575 for wildfire risk (1 is highest) and 8,730 by building count (1 is largest). Within Pennsylvania alone, it ranks 339 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 51st national percentile, Emerald Lakes 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
Because Direct exposure dominates in Emerald Lakes (98.3%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
Emerald Lakes's 51st-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Emerald Lakes, see the exposure-zones guide.