Herminie, PA
Herminie, PA's wildfire risk, in USFS's own numbers
USFS scores Herminie 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 382 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Herminie's burn probability — fire likelihood with no building count factored in — sits at the 27th percentile nationally.
Herminie's building exposure, zone by zone
USFS puts 96.1% of Herminie's 382 buildings in the Indirect exposure zone, versus 3.9% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Where Herminie ranks
Herminie'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, Herminie ranks 23,396 for wildfire risk (1 is highest) and 19,605 by building count (1 is largest). Within Pennsylvania alone, it ranks 1,388 of 1,991 places by risk. See the full county-by-county picture for Pennsylvania on its state page.
Herminie and the insurance market
At the 26th national percentile, Herminie rates moderate for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
With ember exposure the dominant pattern in Herminie (96.1% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Herminie's figures come from
Every one of the two percentiles behind Herminie's 23,396-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Herminie's dominant indirect exposure actually means, with real examples from across the dataset.