Monroe, PA
Monroe wildfire risk explained
Monroe's 314 buildings earn a 39th-percentile wildfire-risk score nationally under USFS's model — close to the middle of USFS's national wildfire-risk range. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Monroe at the 38th national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
USFS classifies 57.3% of Monroe's buildings as Direct exposure, higher than its 42.7% Indirect share and far above its 0% Minimal share — a profile where 180 structures sit close enough to vegetation that lot clearing matters most.
How Monroe compares
Monroe's 60th-percentile standing inside Pennsylvania outpaces its 39th 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, Monroe ranks 19,302 for wildfire risk (1 is highest) and 21,262 by building count (1 is largest). Within Pennsylvania alone, it ranks 800 of 1,991 places by risk. See the full county-by-county picture for Pennsylvania on its state page.
Monroe and the insurance market
Monroe's moderate wildfire rating (39th 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.
Lowering exposure, not just insuring around it
Monroe's 57.3% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
Every one of the two percentiles behind Monroe's 19,302-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Monroe, see the exposure-zones guide.