Everett, PA
Everett, PA's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Everett lands at the 48th percentile for wildfire risk to structures — modestly above the national average for wildfire risk — a figure built from its 861 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Everett at the 48th national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Everett's buildings actually sit
85.4% of Everett's 861 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 14.6% Direct and 0% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
Everett against the rest of the country
Everett's 79th-percentile standing inside Pennsylvania outpaces its 48th 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, Everett ranks 16,303 for wildfire risk (1 is highest) and 13,071 by building count (1 is largest). Within Pennsylvania alone, it ranks 424 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
Everett's elevated wildfire rating (48th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Lowering exposure, not just insuring around it
Everett's 85.4% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
Where Everett's figures come from
The methodology guide shows exactly how USFS turned 861 counted buildings into the percentiles shown above for Everett. The exposure-zones guide covers what Everett's dominant indirect exposure actually means, with real examples from across the dataset.