Harford, PA
Harford wildfire risk explained
Harford's 187 buildings earn a 36th-percentile wildfire-risk score nationally under USFS's model — close to the middle of USFS's national wildfire-risk range. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Harford at the 36th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Harford's building exposure, zone by zone
96.8% of Harford's 187 buildings sit in USFS's Direct exposure zone, roughly 181 structures close enough to burnable vegetation for flame contact, not just embers — 3.2% fall in the Indirect, ember-only zone and 0% are Minimal.
Harford against the rest of the country
Harford's 51st-percentile standing inside Pennsylvania outpaces its 36th 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, Harford ranks 20,344 for wildfire risk (1 is highest) and 25,367 by building count (1 is largest). Within Pennsylvania alone, it ranks 974 of 1,991 places by risk. See the full county-by-county picture for Pennsylvania on its state page.
Harford and the insurance market
Harford's moderate wildfire rating (36th 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 Harford
Harford's 96.8% 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.
More on how this number was built
The methodology guide shows exactly how USFS turned 187 counted buildings into the percentiles shown above for Harford. For more on what direct exposure implies beyond Harford, see the exposure-zones guide.