Mercersburg, PA
Mercersburg, PA's wildfire risk, in USFS's own numbers
Mercersburg's 700 buildings earn a 13th-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Mercersburg at the 14th percentile, close to its 13th-percentile risk score.
Mercersburg's building exposure, zone by zone
76.7% of Mercersburg's 700 buildings sit in USFS's Minimal exposure zone, with only 16% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Where Mercersburg ranks
Mercersburg scores 13th nationally and 12th 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, Mercersburg ranks 27,340 for wildfire risk (1 is highest) and 14,659 by building count (1 is largest). Within Pennsylvania alone, it ranks 1,750 of 1,991 places by risk. See the full county-by-county picture for Pennsylvania on its state page.
Mercersburg and the insurance market
At the 13th national percentile, Mercersburg rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Hardening a home in Mercersburg
Mercersburg's 76.7% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
Where Mercersburg's figures come from
The methodology guide shows exactly how USFS turned 700 counted buildings into the percentiles shown above for Mercersburg. The exposure-zones guide covers what Mercersburg's dominant minimal exposure actually means, with real examples from across the dataset.