Mount Royal, PA
Mount Royal, PA's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Mount Royal lands at the 16th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 262 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Mount Royal's burn probability — fire likelihood with no building count factored in — sits at the 14th percentile nationally.
Mount Royal's building exposure, zone by zone
99.6% of Mount Royal's 262 buildings sit in USFS's Direct exposure zone, roughly 261 structures close enough to burnable vegetation for flame contact, not just embers — 0.4% fall in the Indirect, ember-only zone and 0% are Minimal.
Mount Royal against the rest of the country
There's little gap between Mount Royal's 16th national percentile and its 16th percentile inside Pennsylvania, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Mount Royal ranks 26,482 for wildfire risk (1 is highest) and 22,785 by building count (1 is largest). Within Pennsylvania alone, it ranks 1,673 of 1,991 places by risk. See the full county-by-county picture for Pennsylvania on its state page.
Mount Royal and the insurance market
Mount Royal's low wildfire rating (16th 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
Mount Royal's 99.6% 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.
Where Mount Royal's figures come from
Mount Royal's 16th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Mount Royal's dominant direct exposure actually means, with real examples from across the dataset.