Fort Loudon, PA
Fort Loudon wildfire risk explained
USFS's Wildfire Risk to Communities model puts Fort Loudon at the 62nd national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 555 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Fort Loudon's burn probability — fire likelihood with no building count factored in — sits at the 59th percentile nationally.
What "at risk" means for the buildings here
USFS classifies 81.8% of Fort Loudon's buildings as Direct exposure, higher than its 18.2% Indirect share and far above its 0% Minimal share — a profile where 454 structures sit close enough to vegetation that lot clearing matters most.
Where Fort Loudon ranks
Fort Loudon's 98th-percentile standing inside Pennsylvania outpaces its 62nd 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, Fort Loudon ranks 11,860 for wildfire risk (1 is highest) and 16,506 by building count (1 is largest). Within Pennsylvania alone, it ranks 42 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 62nd percentile nationally, Fort Loudon carries the high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Lowering exposure, not just insuring around it
With 81.8% of Fort Loudon in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 555 counted buildings into the percentiles shown above for Fort Loudon. For more on what direct exposure implies beyond Fort Loudon, see the exposure-zones guide.