Rose Valley, PA
Rose Valley wildfire risk explained
USFS's Wildfire Risk to Communities model puts Rose Valley at the 20th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 403 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Rose Valley's burn probability — fire likelihood with no building count factored in — sits at the 20th percentile nationally.
Rose Valley's building exposure, zone by zone
Direct exposure dominates in Rose Valley: 96.5% of its 403 buildings, versus 0% Indirect and 3.5% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Rose Valley against the rest of the country
Rose Valley's risk sits at a similar level relative to Pennsylvania (21st percentile statewide) as it does nationally (20th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Rose Valley ranks 25,283 for wildfire risk (1 is highest) and 19,158 by building count (1 is largest). Within Pennsylvania alone, it ranks 1,565 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
Rose Valley's low wildfire rating (20th 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
With 96.5% of Rose Valley in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 403 counted buildings into the percentiles shown above for Rose Valley. For more on what direct exposure implies beyond Rose Valley, see the exposure-zones guide.