Lima, PA
How exposed is Lima to wildfire?
Out of every US place USFS scores, Lima lands at the 27th percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 446 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Lima at the 25th national percentile — 2 points below its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
53.4% of Lima's 446 buildings sit in USFS's Direct exposure zone, roughly 238 structures close enough to burnable vegetation for flame contact, not just embers — 46.6% fall in the Indirect, ember-only zone and 0% are Minimal.
How Lima compares
Lima scores 27th nationally and 32nd 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, Lima ranks 22,987 for wildfire risk (1 is highest) and 18,354 by building count (1 is largest). Within Pennsylvania alone, it ranks 1,343 of 1,991 places by risk. See the full county-by-county picture for Pennsylvania on its state page.
Lima and the insurance market
Lima's moderate wildfire rating (27th 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
Lima's 53.4% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
The methodology guide shows exactly how USFS turned 446 counted buildings into the percentiles shown above for Lima. For more on what direct exposure implies beyond Lima, see the exposure-zones guide.