Holters Crossing, PA
Holters Crossing wildfire risk explained
Out of every US place USFS scores, Holters Crossing lands at the 55th percentile for wildfire risk to structures — modestly above the national average for wildfire risk — a figure built from its 98 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Holters Crossing at the 53rd national percentile — 2 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Holters Crossing's buildings actually sit
Of Holters Crossing's 98 counted buildings, 80.6% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Where Holters Crossing ranks
Within Pennsylvania, Holters Crossing ranks higher (91st percentile) than it does nationally (55th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Holters Crossing ranks 14,224 for wildfire risk (1 is highest) and 29,150 by building count (1 is largest). Within Pennsylvania alone, it ranks 186 of 1,991 places by risk. See the full county-by-county picture for Pennsylvania on its state page.
Holters Crossing and the insurance market
At the 55th national percentile, Holters Crossing rates elevated 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
Because Direct exposure dominates in Holters Crossing (80.6%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
Holters Crossing's 55th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Holters Crossing, see the exposure-zones guide.