Penns Creek, PA
Penns Creek, PA's wildfire risk, in USFS's own numbers
USFS scores Penns Creek at the 33rd national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 349 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Penns Creek at the 33rd percentile, close to its 33rd-percentile risk score.
Penns Creek's building exposure, zone by zone
Indirect exposure is dominant in Penns Creek (74.2% of 349 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 25.8% sit in the Direct zone.
Where Penns Creek ranks
There's little gap between Penns Creek's 33rd national percentile and its 46th percentile inside Pennsylvania, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Penns Creek ranks 21,002 for wildfire risk (1 is highest) and 20,350 by building count (1 is largest). Within Pennsylvania alone, it ranks 1,079 of 1,991 places by risk. See the full county-by-county picture for Pennsylvania on its state page.
Penns Creek and the insurance market
Penns Creek's moderate rating (33rd percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
With ember exposure the dominant pattern in Penns Creek (74.2% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Penns Creek's figures come from
The methodology guide shows exactly how USFS turned 349 counted buildings into the percentiles shown above for Penns Creek. The exposure-zones guide covers what Penns Creek's dominant indirect exposure actually means, with real examples from across the dataset.