Olivia, PA
How exposed is Olivia to wildfire?
USFS scores Olivia at the 51st national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 86 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Olivia at the 50th national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
Olivia's building exposure, zone by zone
74.4% of Olivia's 86 buildings sit in USFS's Direct exposure zone, roughly 64 structures close enough to burnable vegetation for flame contact, not just embers — 25.6% fall in the Indirect, ember-only zone and 0% are Minimal.
Olivia against the rest of the country
Olivia's 83rd-percentile standing inside Pennsylvania outpaces its 51st national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Olivia ranks 15,578 for wildfire risk (1 is highest) and 29,667 by building count (1 is largest). Within Pennsylvania alone, it ranks 342 of 1,991 places by risk. See the full county-by-county picture for Pennsylvania on its state page.
Olivia and the insurance market
Olivia's elevated wildfire rating (51st 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 Olivia
With 74.4% of Olivia in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Olivia's figures come from
Every one of the two percentiles behind Olivia's 15,578-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Olivia's dominant direct exposure actually means, with real examples from across the dataset.