Pocono Mountain Lake Estates, PA
Pocono Mountain Lake Estates, PA's wildfire risk, in USFS's own numbers
Pocono Mountain Lake Estates sits at the 62nd percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 591 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 Pocono Mountain Lake Estates at the 61st percentile, close to its 62nd-percentile risk score.
What "at risk" means for the buildings here
Direct exposure dominates in Pocono Mountain Lake Estates: 100% of its 591 buildings, versus 0% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Pocono Mountain Lake Estates against the rest of the country
Pocono Mountain Lake Estates's 97th-percentile standing inside Pennsylvania outpaces its 62nd 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, Pocono Mountain Lake Estates ranks 12,109 for wildfire risk (1 is highest) and 15,954 by building count (1 is largest). Within Pennsylvania alone, it ranks 56 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
Pocono Mountain Lake Estates's 62nd-percentile, high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Pocono Mountain Lake Estates (100%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Pocono Mountain Lake Estates's figures come from
Pocono Mountain Lake Estates's 62nd-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 Pocono Mountain Lake Estates's dominant direct exposure actually means, with real examples from across the dataset.