Mount Joy, PA
Mount Joy, PA's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Mount Joy lands at the 1st percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 3,043 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Mount Joy's burn probability — fire likelihood with no building count factored in — sits at the 2nd percentile nationally.
What "at risk" means for the buildings here
87.8% of Mount Joy's 3,043 buildings sit in USFS's Minimal exposure zone, with only 12.2% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
How Mount Joy compares
Mount Joy scores 1st nationally and 0th within Pennsylvania — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Mount Joy ranks 31,095 for wildfire risk (1 is highest) and 5,366 by building count (1 is largest). Within Pennsylvania alone, it ranks 1,989 of 1,991 places by risk. See the full county-by-county picture for Pennsylvania on its state page.
Shopping for coverage in Mount Joy
At the 1st national percentile, Mount Joy rates low 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
Even with 87.8% of Mount Joy outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where Mount Joy's figures come from
The methodology guide shows exactly how USFS turned 3,043 counted buildings into the percentiles shown above for Mount Joy. The exposure-zones guide covers what Mount Joy's dominant minimal exposure actually means, with real examples from across the dataset.