Hummels Wharf, PA
Hummels Wharf, PA's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Hummels Wharf lands at the 23rd percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 772 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Hummels Wharf at the 23rd percentile, close to its 23rd-percentile risk score.
What "at risk" means for the buildings here
USFS puts 83.6% of Hummels Wharf's 772 buildings in the Indirect exposure zone, versus 16.5% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
How Hummels Wharf compares
Hummels Wharf scores 23rd nationally and 25th within Pennsylvania — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Hummels Wharf ranks 24,406 for wildfire risk (1 is highest) and 13,903 by building count (1 is largest). Within Pennsylvania alone, it ranks 1,490 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
Hummels Wharf's moderate rating (23rd percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Hummels Wharf
With ember exposure the dominant pattern in Hummels Wharf (83.6% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Hummels Wharf's figures come from
Hummels Wharf's 23rd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Hummels Wharf's dominant indirect exposure actually means, with real examples from across the dataset.