Mill Hall, PA
Mill Hall wildfire risk explained
Mill Hall's 837 buildings earn a 49th-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.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Mill Hall at the 48th percentile, close to its 49th-percentile risk score.
Where Mill Hall's buildings actually sit
USFS puts 84.8% of Mill Hall's 837 buildings in the Indirect exposure zone, versus 15.2% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Mill Hall against the rest of the country
Mill Hall's 80th-percentile standing inside Pennsylvania outpaces its 49th 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, Mill Hall ranks 16,149 for wildfire risk (1 is highest) and 13,285 by building count (1 is largest). Within Pennsylvania alone, it ranks 406 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
Mill Hall's elevated rating (49th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
Mill Hall's 84.8% 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.
More on how this number was built
Mill Hall's 49th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Mill Hall, see the exposure-zones guide.