Scotland, PA
Scotland wildfire risk explained
USFS's Wildfire Risk to Communities model puts Scotland at the 30th national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 634 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Scotland at the 29th percentile, close to its 30th-percentile risk score.
Where Scotland's buildings actually sit
59.9% of Scotland's 634 buildings sit in USFS's Minimal exposure zone, with only 39.6% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Scotland against the rest of the country
There's little gap between Scotland's 30th national percentile and its 38th percentile inside Pennsylvania, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Scotland ranks 22,076 for wildfire risk (1 is highest) and 15,425 by building count (1 is largest). Within Pennsylvania alone, it ranks 1,231 of 1,991 places by risk. See the full county-by-county picture for Pennsylvania on its state page.
Scotland and the insurance market
Scotland's moderate wildfire rating (30th 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 59.9% of buildings rated Minimal exposure, Scotland gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
Every one of the two percentiles behind Scotland's 22,076-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Scotland, see the exposure-zones guide.