North Irwin, PA
North Irwin wildfire risk explained
North Irwin sits at the 24th percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 399 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, North Irwin's burn probability — fire likelihood with no building count factored in — sits at the 24th percentile nationally.
What "at risk" means for the buildings here
399 buildings are counted in North Irwin, and 96.2% of them are Indirect exposure — ember-driven risk rather than the 3.8% in Direct exposure or the 0% rated Minimal.
North Irwin against the rest of the country
There's little gap between North Irwin's 24th national percentile and its 27th percentile inside Pennsylvania, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, North Irwin ranks 24,123 for wildfire risk (1 is highest) and 19,237 by building count (1 is largest). Within Pennsylvania alone, it ranks 1,461 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
North Irwin's moderate wildfire rating (24th 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 North Irwin
Because 96.2% of North Irwin's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
More on how this number was built
North Irwin's 24th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond North Irwin, see the exposure-zones guide.