Jacobus, PA
How exposed is Jacobus to wildfire?
Out of every US place USFS scores, Jacobus lands at the 11th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 876 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Jacobus's burn probability — fire likelihood with no building count factored in — sits at the 9th percentile nationally.
Where Jacobus's buildings actually sit
50.6% of Jacobus's 876 buildings sit in USFS's Direct exposure zone, roughly 443 structures close enough to burnable vegetation for flame contact, not just embers — 14.7% fall in the Indirect, ember-only zone and 34.7% are Minimal.
Where Jacobus ranks
Jacobus's risk sits at a similar level relative to Pennsylvania (9th percentile statewide) as it does nationally (11th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Jacobus ranks 28,222 for wildfire risk (1 is highest) and 12,944 by building count (1 is largest). Within Pennsylvania alone, it ranks 1,821 of 1,991 places by risk. See the full county-by-county picture for Pennsylvania on its state page.
Jacobus and the insurance market
Jacobus's low wildfire rating (11th 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.
Lowering exposure, not just insuring around it
With 50.6% of Jacobus 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
Jacobus's 11th-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 Jacobus, see the exposure-zones guide.