Lock Haven, PA
Lock Haven, PA's wildfire risk, in USFS's own numbers
Lock Haven's 2,655 buildings earn a 50th-percentile wildfire-risk score nationally under USFS's model — modestly above the national average for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Lock Haven at the 48th national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Lock Haven's buildings actually sit
Indirect exposure is dominant in Lock Haven (85.7% of 2,655 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 10.2% sit in the Direct zone.
Lock Haven against the rest of the country
Compare Lock Haven's two percentiles: 81st within Pennsylvania, only 50th nationally — a gap of 31 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Lock Haven ranks 15,833 for wildfire risk (1 is highest) and 6,012 by building count (1 is largest). Within Pennsylvania alone, it ranks 373 of 1,991 places by risk. See the full county-by-county picture for Pennsylvania on its state page.
Shopping for coverage in Lock Haven
At the 50th national percentile, Lock Haven rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
Because 85.7% of Lock Haven's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
Where Lock Haven's figures come from
Lock Haven's 50th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Lock Haven's dominant indirect exposure actually means, with real examples from across the dataset.