Smock, PA
Smock, PA's wildfire risk, in USFS's own numbers
USFS scores Smock at the 38th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 379 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Smock at the 40th percentile, close to its 38th-percentile risk score.
Smock's building exposure, zone by zone
60.7% of Smock's 379 buildings sit in USFS's Direct exposure zone, roughly 230 structures close enough to burnable vegetation for flame contact, not just embers — 39.3% fall in the Indirect, ember-only zone and 0% are Minimal.
Smock against the rest of the country
Smock's 57th-percentile standing inside Pennsylvania outpaces its 38th national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Smock ranks 19,552 for wildfire risk (1 is highest) and 19,672 by building count (1 is largest). Within Pennsylvania alone, it ranks 852 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
Smock's moderate wildfire rating (38th 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 60.7% of Smock 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 Smock's figures come from
Every one of the two percentiles behind Smock's 19,552-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Smock's dominant direct exposure actually means, with real examples from across the dataset.