Oak Hills, PA
Oak Hills wildfire risk explained
Out of every US place USFS scores, Oak Hills lands at the 28th percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 971 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Oak Hills at the 29th percentile, close to its 28th-percentile risk score.
What "at risk" means for the buildings here
77.8% of Oak Hills's 971 buildings sit in USFS's Direct exposure zone, roughly 755 structures close enough to burnable vegetation for flame contact, not just embers — 22.3% fall in the Indirect, ember-only zone and 0% are Minimal.
How Oak Hills compares
There's little gap between Oak Hills's 28th national percentile and its 34th percentile inside Pennsylvania, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Oak Hills ranks 22,698 for wildfire risk (1 is highest) and 12,146 by building count (1 is largest). Within Pennsylvania alone, it ranks 1,308 of 1,991 places by risk. See the full county-by-county picture for Pennsylvania on its state page.
Oak Hills and the insurance market
Oak Hills's moderate wildfire rating (28th 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
Because Direct exposure dominates in Oak Hills (77.8%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 971 counted buildings into the percentiles shown above for Oak Hills. For more on what direct exposure implies beyond Oak Hills, see the exposure-zones guide.