Gibraltar, PA
How exposed is Gibraltar to wildfire?
USFS scores Gibraltar at the 16th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 388 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Gibraltar at the 14th percentile, close to its 16th-percentile risk score.
Gibraltar's building exposure, zone by zone
388 buildings are counted in Gibraltar, and 65% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
Gibraltar against the rest of the country
There's little gap between Gibraltar's 16th national percentile and its 16th percentile inside Pennsylvania, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Gibraltar ranks 26,546 for wildfire risk (1 is highest) and 19,454 by building count (1 is largest). Within Pennsylvania alone, it ranks 1,678 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 16th national percentile, Gibraltar rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Hardening a home in Gibraltar
Gibraltar's 65% 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 Gibraltar's figures come from
Gibraltar's 16th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Gibraltar's dominant direct exposure actually means, with real examples from across the dataset.