Oak Lane, PA
Oak Lane, PA's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Oak Lane lands at the 14th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 1,268 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Oak Lane's burn probability — fire likelihood with no building count factored in — sits at the 17th percentile nationally.
Oak Lane's building exposure, zone by zone
Most of Oak Lane's buildings (78% of 1,268) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
Where Oak Lane ranks
There's little gap between Oak Lane's 14th national percentile and its 14th 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 Lane ranks 26,959 for wildfire risk (1 is highest) and 10,259 by building count (1 is largest). Within Pennsylvania alone, it ranks 1,714 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
At the 14th national percentile, Oak Lane rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Hardening a home in Oak Lane
With 78% of buildings rated Minimal exposure, Oak Lane gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Oak Lane's figures come from
The methodology guide shows exactly how USFS turned 1,268 counted buildings into the percentiles shown above for Oak Lane. The exposure-zones guide covers what Oak Lane's dominant minimal exposure actually means, with real examples from across the dataset.