Monument, PA
Monument wildfire risk explained
USFS scores Monument at the 57th national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 83 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Monument at the 55th national percentile — 2 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Monument's buildings actually sit
83 buildings are counted in Monument, and 50.6% 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.
Monument against the rest of the country
Compare Monument's two percentiles: 93rd within Pennsylvania, only 57th nationally — a gap of 37 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Monument ranks 13,596 for wildfire risk (1 is highest) and 29,782 by building count (1 is largest). Within Pennsylvania alone, it ranks 133 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
At the 57th national percentile, Monument rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
What would actually reduce this score
With 50.6% of Monument 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
Every one of the two percentiles behind Monument's 13,596-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Monument, see the exposure-zones guide.