Saginaw, PA
Saginaw, PA's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Saginaw at the 10th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 213 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Saginaw's burn probability — fire likelihood with no building count factored in — sits at the 9th percentile nationally.
What "at risk" means for the buildings here
USFS classifies 67.1% of Saginaw's buildings as Direct exposure, higher than its 0% Indirect share and far above its 32.9% Minimal share — a profile where 143 structures sit close enough to vegetation that lot clearing matters most.
How Saginaw compares
There's little gap between Saginaw's 10th national percentile and its 8th percentile inside Pennsylvania, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Saginaw ranks 28,413 for wildfire risk (1 is highest) and 24,380 by building count (1 is largest). Within Pennsylvania alone, it ranks 1,830 of 1,991 places by risk. See the full county-by-county picture for Pennsylvania on its state page.
Saginaw and the insurance market
At the 10th national percentile, Saginaw rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
What would actually reduce this score
With 67.1% of Saginaw 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.
Where Saginaw's figures come from
The methodology guide shows exactly how USFS turned 213 counted buildings into the percentiles shown above for Saginaw. The exposure-zones guide covers what Saginaw's dominant direct exposure actually means, with real examples from across the dataset.