Silverdale, PA
Silverdale wildfire risk explained
Silverdale's 361 buildings earn a 12th-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Silverdale at the 11th percentile, close to its 12th-percentile risk score.
What "at risk" means for the buildings here
57.6% of Silverdale's 361 buildings sit in USFS's Direct exposure zone, roughly 208 structures close enough to burnable vegetation for flame contact, not just embers — 42.4% fall in the Indirect, ember-only zone and 0% are Minimal.
How Silverdale compares
Silverdale scores 12th nationally and 10th within Pennsylvania — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Silverdale ranks 27,782 for wildfire risk (1 is highest) and 20,049 by building count (1 is largest). Within Pennsylvania alone, it ranks 1,786 of 1,991 places by risk. See the full county-by-county picture for Pennsylvania on its state page.
Silverdale and the insurance market
Silverdale's low wildfire rating (12th 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
Silverdale's 57.6% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
Every one of the two percentiles behind Silverdale's 27,782-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Silverdale, see the exposure-zones guide.