Terre Hill, PA
Terre Hill, PA's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Terre Hill lands at the 4th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 646 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Terre Hill at the 4th percentile, close to its 4th-percentile risk score.
What "at risk" means for the buildings here
Most of Terre Hill's buildings (73.7% of 646) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
How Terre Hill compares
Terre Hill'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, Terre Hill ranks 30,242 for wildfire risk (1 is highest) and 15,252 by building count (1 is largest). Within Pennsylvania alone, it ranks 1,958 of 1,991 places by risk. See the full county-by-county picture for Pennsylvania on its state page.
Terre Hill and the insurance market
Terre Hill's low rating (4th 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 Terre Hill
Terre Hill's 73.7% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
Where Terre Hill's figures come from
The methodology guide shows exactly how USFS turned 646 counted buildings into the percentiles shown above for Terre Hill. The exposure-zones guide covers what Terre Hill's dominant minimal exposure actually means, with real examples from across the dataset.