Fairhope, PA
How exposed is Fairhope to wildfire?
USFS scores Fairhope at the 30th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 756 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Fairhope's burn probability — fire likelihood with no building count factored in — sits at the 31st percentile nationally.
Fairhope's building exposure, zone by zone
756 buildings are counted in Fairhope, and 86% of them are Indirect exposure — ember-driven risk rather than the 14% in Direct exposure or the 0% rated Minimal.
How Fairhope compares
Fairhope's risk sits at a similar level relative to Pennsylvania (38th percentile statewide) as it does nationally (30th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Fairhope ranks 22,170 for wildfire risk (1 is highest) and 14,053 by building count (1 is largest). Within Pennsylvania alone, it ranks 1,244 of 1,991 places by risk. See the full county-by-county picture for Pennsylvania on its state page.
Fairhope and the insurance market
Fairhope's moderate wildfire rating (30th 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.
What would actually reduce this score
Fairhope's 86% 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.
More on how this number was built
Fairhope's 30th-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 Fairhope, see the exposure-zones guide.