McGovern, PA
How exposed is McGovern to wildfire?
USFS scores McGovern at the 32nd national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 1,519 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks McGovern at the 35th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
USFS puts 79.5% of McGovern's 1,519 buildings in the Indirect exposure zone, versus 20.5% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
How McGovern compares
McGovern scores 32nd nationally and 43rd 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, McGovern ranks 21,348 for wildfire risk (1 is highest) and 9,088 by building count (1 is largest). Within Pennsylvania alone, it ranks 1,132 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
McGovern's moderate wildfire rating (32nd 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 McGovern
McGovern's 79.5% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
Where McGovern's figures come from
The methodology guide shows exactly how USFS turned 1,519 counted buildings into the percentiles shown above for McGovern. The exposure-zones guide covers what McGovern's dominant indirect exposure actually means, with real examples from across the dataset.