Refton, PA
Refton, PA's wildfire risk, in USFS's own numbers
Refton sits at the 6th 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 213 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Refton at the 5th national percentile — 0 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
USFS classifies 50.2% of Refton's buildings as Direct exposure, higher than its 5.6% Indirect share and far above its 44.1% Minimal share — a profile where 107 structures sit close enough to vegetation that lot clearing matters most.
How Refton compares
Refton's risk sits at a similar level relative to Pennsylvania (3rd percentile statewide) as it does nationally (6th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Refton ranks 29,671 for wildfire risk (1 is highest) and 24,379 by building count (1 is largest). Within Pennsylvania alone, it ranks 1,930 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
At the 6th national percentile, Refton rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Refton (50.2%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Refton's figures come from
Every one of the two percentiles behind Refton's 29,671-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Refton's dominant direct exposure actually means, with real examples from across the dataset.