Northwest Harborcreek, PA
Northwest Harborcreek wildfire risk explained
Northwest Harborcreek's 4,025 buildings earn a 29th-percentile wildfire-risk score nationally under USFS's model — close to the middle of USFS's national wildfire-risk range. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Northwest Harborcreek at the 30th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
39.8% of Northwest Harborcreek's 4,025 buildings sit in USFS's Minimal exposure zone, with only 33.8% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Where Northwest Harborcreek ranks
Northwest Harborcreek's risk sits at a similar level relative to Pennsylvania (37th percentile statewide) as it does nationally (29th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Northwest Harborcreek ranks 22,262 for wildfire risk (1 is highest) and 4,222 by building count (1 is largest). Within Pennsylvania alone, it ranks 1,255 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
Northwest Harborcreek's moderate wildfire rating (29th 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.
What would actually reduce this score
Northwest Harborcreek's 39.8% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Northwest Harborcreek's 22,262-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Northwest Harborcreek, see the exposure-zones guide.