St. Davids, PA
How exposed is St. Davids to wildfire?
Out of every US place USFS scores, St. Davids lands at the 15th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 1,162 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks St. Davids at the 14th national percentile — 0 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where St. Davids's buildings actually sit
Direct exposure dominates in St. Davids: 75.8% of its 1,162 buildings, versus 0% Indirect and 24.2% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where St. Davids ranks
St. Davids scores 15th nationally and 14th 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, St. Davids ranks 26,926 for wildfire risk (1 is highest) and 10,883 by building count (1 is largest). Within Pennsylvania alone, it ranks 1,712 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
St. Davids's low rating (15th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in St. Davids
St. Davids's 75.8% 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.
Where St. Davids's figures come from
The methodology guide shows exactly how USFS turned 1,162 counted buildings into the percentiles shown above for St. Davids. The exposure-zones guide covers what St. Davids's dominant direct exposure actually means, with real examples from across the dataset.