Stillwater, PA
Stillwater, PA's wildfire risk, in USFS's own numbers
USFS scores Stillwater at the 50th national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 178 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Stillwater at the 52nd national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Stillwater's building exposure, zone by zone
USFS classifies 77% of Stillwater's buildings as Direct exposure, higher than its 23% Indirect share and far above its 0% Minimal share — a profile where 137 structures sit close enough to vegetation that lot clearing matters most.
How Stillwater compares
Within Pennsylvania, Stillwater ranks higher (82nd percentile) than it does nationally (50th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Stillwater ranks 15,739 for wildfire risk (1 is highest) and 25,729 by building count (1 is largest). Within Pennsylvania alone, it ranks 365 of 1,991 places by risk. See the full county-by-county picture for Pennsylvania on its state page.
Stillwater and the insurance market
At the 50th national percentile, Stillwater rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
Stillwater's 77% 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
The methodology guide shows exactly how USFS turned 178 counted buildings into the percentiles shown above for Stillwater. For more on what direct exposure implies beyond Stillwater, see the exposure-zones guide.