Gray (Somerset), PA
Gray (Somerset) wildfire risk explained
USFS scores Gray (Somerset) at the 45th national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 143 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Gray (Somerset) at the 45th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
143 buildings are counted in Gray (Somerset), and 62.2% 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.
Where Gray (Somerset) ranks
Compare Gray (Somerset)'s two percentiles: 72nd within Pennsylvania, only 45th nationally — a gap of 27 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Gray (Somerset) ranks 17,465 for wildfire risk (1 is highest) and 27,177 by building count (1 is largest). Within Pennsylvania alone, it ranks 562 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
Gray (Somerset)'s elevated rating (45th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
With 62.2% of Gray (Somerset) 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.
Where Gray (Somerset)'s figures come from
Every one of the two percentiles behind Gray (Somerset)'s 17,465-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Gray (Somerset)'s dominant direct exposure actually means, with real examples from across the dataset.