Mountain Top, PA
How exposed is Mountain Top to wildfire?
USFS scores Mountain Top at the 67th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 4,924 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Mountain Top's burn probability — fire likelihood with no building count factored in — sits at the 65th percentile nationally.
Mountain Top's building exposure, zone by zone
4,924 buildings are counted in Mountain Top, and 71.8% 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.
How Mountain Top compares
Compare Mountain Top's two percentiles: 99th within Pennsylvania, only 67th nationally — a gap of 32 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Mountain Top ranks 10,407 for wildfire risk (1 is highest) and 3,475 by building count (1 is largest). Within Pennsylvania alone, it ranks 13 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
Mountain Top's high rating (67th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
What would actually reduce this score
Mountain Top's 71.8% 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 Mountain Top's figures come from
The methodology guide shows exactly how USFS turned 4,924 counted buildings into the percentiles shown above for Mountain Top. The exposure-zones guide covers what Mountain Top's dominant direct exposure actually means, with real examples from across the dataset.