Stony Creek Mills, PA
Stony Creek Mills wildfire risk explained
Out of every US place USFS scores, Stony Creek Mills lands at the 22nd percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 438 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Stony Creek Mills at the 19th national percentile — 3 points below its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
54.8% of Stony Creek Mills's 438 buildings sit in USFS's Direct exposure zone, roughly 240 structures close enough to burnable vegetation for flame contact, not just embers — 45.2% fall in the Indirect, ember-only zone and 0% are Minimal.
How Stony Creek Mills compares
There's little gap between Stony Creek Mills's 22nd national percentile and its 24th percentile inside Pennsylvania, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Stony Creek Mills ranks 24,662 for wildfire risk (1 is highest) and 18,509 by building count (1 is largest). Within Pennsylvania alone, it ranks 1,514 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
At the 22nd national percentile, Stony Creek Mills rates moderate for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
What would actually reduce this score
With 54.8% of Stony Creek Mills 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 Stony Creek Mills's figures come from
Stony Creek Mills's 22nd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Stony Creek Mills's dominant direct exposure actually means, with real examples from across the dataset.