Mont Clare, PA
How exposed is Mont Clare to wildfire?
USFS's Wildfire Risk to Communities model puts Mont Clare at the 8th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 628 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Mont Clare at the 8th percentile, close to its 8th-percentile risk score.
Where Mont Clare's buildings actually sit
Direct exposure dominates in Mont Clare: 55.9% of its 628 buildings, versus 0% Indirect and 44.1% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where Mont Clare ranks
Mont Clare's risk sits at a similar level relative to Pennsylvania (5th percentile statewide) as it does nationally (8th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Mont Clare ranks 29,045 for wildfire risk (1 is highest) and 15,474 by building count (1 is largest). Within Pennsylvania alone, it ranks 1,890 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
Mont Clare's low wildfire rating (8th 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 Mont Clare
With 55.9% of Mont Clare in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
More on how this number was built
Mont Clare's 8th-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 Mont Clare, see the exposure-zones guide.