Larke, PA
How exposed is Larke to wildfire?
Larke sits at the 41st percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 31 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Larke at the 40th percentile, close to its 41st-percentile risk score.
Where Larke's buildings actually sit
Indirect exposure is dominant in Larke (74.2% of 31 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 25.8% sit in the Direct zone.
Where Larke ranks
Within Pennsylvania, Larke ranks higher (65th percentile) than it does nationally (41st) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Larke ranks 18,669 for wildfire risk (1 is highest) and 31,353 by building count (1 is largest). Within Pennsylvania alone, it ranks 705 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
Larke's elevated wildfire rating (41st 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.
What would actually reduce this score
Larke's 74.2% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Larke's 18,669-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Larke, see the exposure-zones guide.