McElhattan, PA
How exposed is McElhattan to wildfire?
McElhattan's 697 buildings earn a 52nd-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 McElhattan at the 50th national percentile — 2 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where McElhattan's buildings actually sit
75.9% of McElhattan's 697 buildings sit in USFS's Direct exposure zone, roughly 529 structures close enough to burnable vegetation for flame contact, not just embers — 24.1% fall in the Indirect, ember-only zone and 0% are Minimal.
How McElhattan compares
Compare McElhattan's two percentiles: 87th within Pennsylvania, only 52nd nationally — a gap of 34 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, McElhattan ranks 15,079 for wildfire risk (1 is highest) and 14,696 by building count (1 is largest). Within Pennsylvania alone, it ranks 270 of 1,991 places by risk. See the full county-by-county picture for Pennsylvania on its state page.
Shopping for coverage in McElhattan
McElhattan's elevated rating (52nd percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
McElhattan's 75.9% 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 697 counted buildings into the percentiles shown above for McElhattan. For more on what direct exposure implies beyond McElhattan, see the exposure-zones guide.