Harmony, PA
Harmony wildfire risk explained
Harmony's 592 buildings earn a 31st-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.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Harmony at the 32nd percentile, close to its 31st-percentile risk score.
Harmony's building exposure, zone by zone
592 buildings are counted in Harmony, and 93.4% of them are Indirect exposure — ember-driven risk rather than the 6.6% in Direct exposure or the 0% rated Minimal.
Where Harmony ranks
Harmony's risk sits at a similar level relative to Pennsylvania (40th percentile statewide) as it does nationally (31st) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Harmony ranks 21,848 for wildfire risk (1 is highest) and 15,942 by building count (1 is largest). Within Pennsylvania alone, it ranks 1,201 of 1,991 places by risk. See the full county-by-county picture for Pennsylvania on its state page.
Harmony and the insurance market
Harmony's moderate wildfire rating (31st 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 Harmony
Harmony's 93.4% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
Where Harmony's figures come from
The methodology guide shows exactly how USFS turned 592 counted buildings into the percentiles shown above for Harmony. The exposure-zones guide covers what Harmony's dominant indirect exposure actually means, with real examples from across the dataset.