Franklin (Cambria), PA
How exposed is Franklin (Cambria) to wildfire?
Out of every US place USFS scores, Franklin (Cambria) lands at the 37th percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 213 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Franklin (Cambria) at the 35th national percentile — 2 points below its risk-to-structures score, a gap driven by how much is actually built there.
Franklin (Cambria)'s building exposure, zone by zone
91.1% of Franklin (Cambria)'s 213 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 8.9% Direct and 0% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
Franklin (Cambria) against the rest of the country
Within Pennsylvania, Franklin (Cambria) ranks higher (54th percentile) than it does nationally (37th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Franklin (Cambria) ranks 19,960 for wildfire risk (1 is highest) and 24,378 by building count (1 is largest). Within Pennsylvania alone, it ranks 912 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
Franklin (Cambria)'s moderate rating (37th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
With ember exposure the dominant pattern in Franklin (Cambria) (91.1% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
Franklin (Cambria)'s 37th-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 Franklin (Cambria), see the exposure-zones guide.