Lakemont, PA
Lakemont wildfire risk explained
USFS scores Lakemont at the 37th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 1,030 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Lakemont at the 35th percentile, close to its 37th-percentile risk score.
Lakemont's building exposure, zone by zone
80.9% of Lakemont's 1,030 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 17% Direct and 2.1% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
Lakemont against the rest of the country
Within Pennsylvania, Lakemont ranks higher (55th percentile) than it does nationally (37th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Lakemont ranks 19,866 for wildfire risk (1 is highest) and 11,727 by building count (1 is largest). Within Pennsylvania alone, it ranks 893 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
Lakemont's moderate wildfire rating (37th 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 Lakemont
With ember exposure the dominant pattern in Lakemont (80.9% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
The methodology guide shows exactly how USFS turned 1,030 counted buildings into the percentiles shown above for Lakemont. For more on what indirect exposure implies beyond Lakemont, see the exposure-zones guide.