Millbourne, PA
How exposed is Millbourne to wildfire?
Millbourne sits at the 22nd percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 85 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Millbourne at the 25th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Millbourne's buildings actually sit
Millbourne rates 100% Minimal exposure against just 0% Direct and 0% Indirect — of 85 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Where Millbourne ranks
There's little gap between Millbourne's 22nd national percentile and its 25th percentile inside Pennsylvania, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Millbourne ranks 24,533 for wildfire risk (1 is highest) and 29,707 by building count (1 is largest). Within Pennsylvania alone, it ranks 1,497 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
Millbourne's moderate wildfire rating (22nd 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 Millbourne
Millbourne's 100% 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.
More on how this number was built
The methodology guide shows exactly how USFS turned 85 counted buildings into the percentiles shown above for Millbourne. For more on what minimal exposure implies beyond Millbourne, see the exposure-zones guide.