Harveys Lake, PA
How exposed is Harveys Lake to wildfire?
Harveys Lake sits at the 54th percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 2,117 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Harveys Lake at the 55th percentile, close to its 54th-percentile risk score.
Harveys Lake's building exposure, zone by zone
2,117 buildings are counted in Harveys Lake, and 70.6% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 8.9% rated Minimal.
How Harveys Lake compares
Compare Harveys Lake's two percentiles: 90th within Pennsylvania, only 54th nationally — a gap of 36 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Harveys Lake ranks 14,446 for wildfire risk (1 is highest) and 7,147 by building count (1 is largest). Within Pennsylvania alone, it ranks 205 of 1,991 places by risk. See the full county-by-county picture for Pennsylvania on its state page.
Harveys Lake and the insurance market
Harveys Lake's elevated rating (54th 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 70.6% of Harveys Lake 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.
More on how this number was built
The methodology guide shows exactly how USFS turned 2,117 counted buildings into the percentiles shown above for Harveys Lake. For more on what direct exposure implies beyond Harveys Lake, see the exposure-zones guide.