Penbrook, PA
Penbrook wildfire risk explained
Penbrook sits at the 18th percentile nationally for wildfire risk to structures — among the lower wildfire-risk places nationally — per USFS's Wildfire Risk to Communities model, built from its 1,222 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Penbrook at the 19th percentile, close to its 18th-percentile risk score.
What "at risk" means for the buildings here
USFS classifies 98.6% of Penbrook's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 1.4% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Where Penbrook ranks
Penbrook's risk sits at a similar level relative to Pennsylvania (19th percentile statewide) as it does nationally (18th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Penbrook ranks 25,792 for wildfire risk (1 is highest) and 10,528 by building count (1 is largest). Within Pennsylvania alone, it ranks 1,608 of 1,991 places by risk. See the full county-by-county picture for Pennsylvania on its state page.
Penbrook and the insurance market
Penbrook's low rating (18th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Penbrook's 98.6% 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.
Where Penbrook's figures come from
Penbrook's 18th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Penbrook's dominant minimal exposure actually means, with real examples from across the dataset.