Fivepointville, PA
Fivepointville wildfire risk explained
USFS's Wildfire Risk to Communities model puts Fivepointville at the 5th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 541 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Fivepointville at the 5th percentile, close to its 5th-percentile risk score.
Where Fivepointville's buildings actually sit
Of Fivepointville's 541 counted buildings, 65.4% carry Direct exposure and only 34.6% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
How Fivepointville compares
Fivepointville scores 5th nationally and 2nd within Pennsylvania — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Fivepointville ranks 29,929 for wildfire risk (1 is highest) and 16,710 by building count (1 is largest). Within Pennsylvania alone, it ranks 1,944 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
Fivepointville's low wildfire rating (5th 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
Fivepointville's 65.4% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where Fivepointville's figures come from
The methodology guide shows exactly how USFS turned 541 counted buildings into the percentiles shown above for Fivepointville. The exposure-zones guide covers what Fivepointville's dominant direct exposure actually means, with real examples from across the dataset.