Loretto, PA
Loretto wildfire risk explained
USFS scores Loretto at the 31st national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 246 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Loretto at the 31st national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Loretto's buildings actually sit
61.8% of Loretto's 246 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 38.2% Direct and 0% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
How Loretto compares
Loretto's risk sits at a similar level relative to Pennsylvania (40th 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, Loretto ranks 21,850 for wildfire risk (1 is highest) and 23,275 by building count (1 is largest). Within Pennsylvania alone, it ranks 1,203 of 1,991 places by risk. See the full county-by-county picture for Pennsylvania on its state page.
Shopping for coverage in Loretto
Loretto's moderate wildfire rating (31st 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 Loretto
With ember exposure the dominant pattern in Loretto (61.8% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Loretto's figures come from
Every one of the two percentiles behind Loretto's 21,850-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Loretto's dominant indirect exposure actually means, with real examples from across the dataset.