Middleburg, PA
Middleburg, PA's wildfire risk, in USFS's own numbers
USFS scores Middleburg at the 40th national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 714 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Middleburg's burn probability — fire likelihood with no building count factored in — sits at the 39th percentile nationally.
Middleburg's building exposure, zone by zone
87.4% of Middleburg's 714 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 12.6% Direct and 0% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
Where Middleburg ranks
Compare Middleburg's two percentiles: 64th within Pennsylvania, only 40th nationally — a gap of 24 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Middleburg ranks 18,796 for wildfire risk (1 is highest) and 14,524 by building count (1 is largest). Within Pennsylvania alone, it ranks 718 of 1,991 places by risk. See the full county-by-county picture for Pennsylvania on its state page.
Middleburg and the insurance market
At the 40th national percentile, Middleburg rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
With ember exposure the dominant pattern in Middleburg (87.4% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Middleburg's figures come from
Middleburg's 40th-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 Middleburg's dominant indirect exposure actually means, with real examples from across the dataset.