Girard, PA
Girard, PA's wildfire risk, in USFS's own numbers
USFS scores Girard at the 26th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 1,558 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 Girard at the 26th percentile, close to its 26th-percentile risk score.
Where Girard's buildings actually sit
Most of Girard's buildings (87.7%) sit in the Indirect zone, where wind-blown embers rather than flame front are the mechanism USFS is scoring — ember-resistant vents and non-combustible roofing are the interventions this pattern favors, more than defensible space alone.
Girard against the rest of the country
Girard's risk sits at a similar level relative to Pennsylvania (30th percentile statewide) as it does nationally (26th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Girard ranks 23,494 for wildfire risk (1 is highest) and 8,929 by building count (1 is largest). Within Pennsylvania alone, it ranks 1,396 of 1,991 places by risk. See the full county-by-county picture for Pennsylvania on its state page.
Girard and the insurance market
Girard's moderate wildfire rating (26th 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.
Hardening a home in Girard
Because 87.7% of Girard's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Girard's 23,494-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Girard, see the exposure-zones guide.