Oneida, PA
How exposed is Oneida to wildfire?
USFS scores Oneida at the 56th national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 117 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Oneida at the 54th national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
60.7% of Oneida's 117 buildings sit in USFS's Direct exposure zone, roughly 71 structures close enough to burnable vegetation for flame contact, not just embers — 39.3% fall in the Indirect, ember-only zone and 0% are Minimal.
Where Oneida ranks
Oneida's 92nd-percentile standing inside Pennsylvania outpaces its 56th 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, Oneida ranks 13,973 for wildfire risk (1 is highest) and 28,329 by building count (1 is largest). Within Pennsylvania alone, it ranks 167 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
Oneida's elevated wildfire rating (56th 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 Oneida (60.7%), 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
Every one of the two percentiles behind Oneida's 13,973-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Oneida, see the exposure-zones guide.