Horsham, PA
Horsham, PA's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Horsham lands at the 13th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 4,506 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Horsham at the 14th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Horsham's building exposure, zone by zone
USFS classifies 53.5% of Horsham's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 32.3% Direct and 14.2% Indirect — a landscape-level risk rather than a building-by-building one.
Where Horsham ranks
Horsham's risk sits at a similar level relative to Pennsylvania (12th percentile statewide) as it does nationally (13th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Horsham ranks 27,310 for wildfire risk (1 is highest) and 3,790 by building count (1 is largest). Within Pennsylvania alone, it ranks 1,747 of 1,991 places by risk. See the full county-by-county picture for Pennsylvania on its state page.
What this risk score means for insurance
Horsham's low wildfire rating (13th 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 Horsham
Horsham's 53.5% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
Horsham's 13th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Horsham, see the exposure-zones guide.