Latrobe, PA
Latrobe wildfire risk explained
USFS's Wildfire Risk to Communities model puts Latrobe at the 31st national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 3,970 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Latrobe's burn probability — fire likelihood with no building count factored in — sits at the 31st percentile nationally.
Where Latrobe's buildings actually sit
Indirect exposure is dominant in Latrobe (74.4% of 3,970 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 1% sit in the Direct zone.
Latrobe against the rest of the country
Latrobe's risk sits at a similar level relative to Pennsylvania (39th percentile statewide) as it does nationally (31st) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Latrobe ranks 21,881 for wildfire risk (1 is highest) and 4,275 by building count (1 is largest). Within Pennsylvania alone, it ranks 1,208 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
Latrobe's moderate rating (31st percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
With ember exposure the dominant pattern in Latrobe (74.4% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Latrobe's figures come from
Every one of the two percentiles behind Latrobe's 21,881-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Latrobe's dominant indirect exposure actually means, with real examples from across the dataset.