Loyalhanna, PA
Loyalhanna, PA's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Loyalhanna at the 35th national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 2,077 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Loyalhanna's burn probability — fire likelihood with no building count factored in — sits at the 34th percentile nationally.
Loyalhanna's building exposure, zone by zone
Indirect exposure is dominant in Loyalhanna (56.6% of 2,077 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 17.7% sit in the Direct zone.
Where Loyalhanna ranks
Loyalhanna's risk sits at a similar level relative to Pennsylvania (48th percentile statewide) as it does nationally (35th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Loyalhanna ranks 20,652 for wildfire risk (1 is highest) and 7,265 by building count (1 is largest). Within Pennsylvania alone, it ranks 1,026 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
Loyalhanna's moderate wildfire rating (35th 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
With ember exposure the dominant pattern in Loyalhanna (56.6% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Loyalhanna's figures come from
Loyalhanna's 35th-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 Loyalhanna's dominant indirect exposure actually means, with real examples from across the dataset.