Stevens, PA
Stevens wildfire risk explained
Stevens's 362 buildings earn a 4th-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Stevens at the 4th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Stevens's buildings actually sit
Only 17.4% of Stevens's 362 buildings carry Direct exposure and 0% carry Indirect; the remaining 82.6% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Where Stevens ranks
Stevens's risk sits at a similar level relative to Pennsylvania (2nd percentile statewide) as it does nationally (4th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Stevens ranks 30,212 for wildfire risk (1 is highest) and 20,028 by building count (1 is largest). Within Pennsylvania alone, it ranks 1,957 of 1,991 places by risk. See the full county-by-county picture for Pennsylvania on its state page.
Shopping for coverage in Stevens
Stevens's low wildfire rating (4th 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 82.6% of buildings rated Minimal exposure, Stevens gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Stevens's figures come from
The methodology guide shows exactly how USFS turned 362 counted buildings into the percentiles shown above for Stevens. The exposure-zones guide covers what Stevens's dominant minimal exposure actually means, with real examples from across the dataset.