Temple, PA
Temple, PA's wildfire risk, in USFS's own numbers
USFS scores Temple at the 20th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 746 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Temple at the 19th national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Temple's buildings actually sit
Indirect exposure is dominant in Temple (97.7% of 746 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 2.3% sit in the Direct zone.
Where Temple ranks
Temple scores 20th nationally and 22nd 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, Temple ranks 25,199 for wildfire risk (1 is highest) and 14,169 by building count (1 is largest). Within Pennsylvania alone, it ranks 1,558 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
Temple's moderate wildfire rating (20th 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
Temple's 97.7% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Temple's 25,199-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Temple, see the exposure-zones guide.