Milford, PA
How exposed is Milford to wildfire?
Out of every US place USFS scores, Milford lands at the 46th percentile for wildfire risk to structures — modestly above the national average for wildfire risk — a figure built from its 679 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Milford at the 47th national percentile — 1 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
Indirect exposure is dominant in Milford (88.2% of 679 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 11.8% sit in the Direct zone.
Where Milford ranks
Milford's 74th-percentile standing inside Pennsylvania outpaces its 46th national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Milford ranks 17,062 for wildfire risk (1 is highest) and 14,878 by building count (1 is largest). Within Pennsylvania alone, it ranks 524 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
At the 46th national percentile, Milford 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
Milford's 88.2% 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 Milford's figures come from
Every one of the two percentiles behind Milford's 17,062-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Milford's dominant indirect exposure actually means, with real examples from across the dataset.