Spring Ridge, PA
Spring Ridge wildfire risk explained
USFS's Wildfire Risk to Communities model puts Spring Ridge at the 21st national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 360 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Spring Ridge's burn probability — fire likelihood with no building count factored in — sits at the 22nd percentile nationally.
What "at risk" means for the buildings here
Spring Ridge rates 86.4% Minimal exposure against just 13.6% Direct and 0% Indirect — of 360 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Spring Ridge against the rest of the country
Spring Ridge's risk sits at a similar level relative to Pennsylvania (23rd percentile statewide) as it does nationally (21st) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Spring Ridge ranks 24,845 for wildfire risk (1 is highest) and 20,068 by building count (1 is largest). Within Pennsylvania alone, it ranks 1,528 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
Spring Ridge's moderate wildfire rating (21st 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 86.4% of buildings rated Minimal exposure, Spring Ridge 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
The methodology guide shows exactly how USFS turned 360 counted buildings into the percentiles shown above for Spring Ridge. For more on what minimal exposure implies beyond Spring Ridge, see the exposure-zones guide.