Roscoe, PA
Roscoe, PA's wildfire risk, in USFS's own numbers
USFS scores Roscoe at the 35th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 470 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Roscoe at the 37th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Roscoe's building exposure, zone by zone
98.1% of Roscoe's 470 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 1.9% Direct and 0% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
Roscoe against the rest of the country
Compare Roscoe's two percentiles: 51st within Pennsylvania, only 35th nationally — a gap of 16 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Roscoe ranks 20,401 for wildfire risk (1 is highest) and 17,878 by building count (1 is largest). Within Pennsylvania alone, it ranks 982 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
Roscoe's moderate wildfire rating (35th 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.
Lowering exposure, not just insuring around it
Roscoe's 98.1% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
Where Roscoe's figures come from
Roscoe's 35th-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 Roscoe's dominant indirect exposure actually means, with real examples from across the dataset.