Millwood, PA
Millwood wildfire risk explained
Millwood sits at the 41st percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 339 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Millwood at the 40th national percentile — 2 points below its risk-to-structures score, a gap driven by how much is actually built there.
Millwood's building exposure, zone by zone
339 buildings are counted in Millwood, and 51.6% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
How Millwood compares
Within Pennsylvania, Millwood ranks higher (65th percentile) than it does nationally (41st) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Millwood ranks 18,577 for wildfire risk (1 is highest) and 20,604 by building count (1 is largest). Within Pennsylvania alone, it ranks 698 of 1,991 places by risk. See the full county-by-county picture for Pennsylvania on its state page.
Millwood and the insurance market
Millwood's elevated wildfire rating (41st 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.
What would actually reduce this score
Because Direct exposure dominates in Millwood (51.6%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
Millwood's 41st-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Millwood, see the exposure-zones guide.