Shelltown, PA
How exposed is Shelltown to wildfire?
USFS's Wildfire Risk to Communities model puts Shelltown at the 29th national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 25 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Shelltown at the 28th national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
Shelltown's building exposure, zone by zone
100% of Shelltown's 25 buildings sit in USFS's Direct exposure zone, roughly 25 structures close enough to burnable vegetation for flame contact, not just embers — 0% fall in the Indirect, ember-only zone and 0% are Minimal.
Where Shelltown ranks
Shelltown's risk sits at a similar level relative to Pennsylvania (35th percentile statewide) as it does nationally (29th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Shelltown ranks 22,486 for wildfire risk (1 is highest) and 31,418 by building count (1 is largest). Within Pennsylvania alone, it ranks 1,289 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
Shelltown's moderate wildfire rating (29th 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.
What would actually reduce this score
With 100% of Shelltown 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 Shelltown's figures come from
The methodology guide shows exactly how USFS turned 25 counted buildings into the percentiles shown above for Shelltown. The exposure-zones guide covers what Shelltown's dominant direct exposure actually means, with real examples from across the dataset.