Throop, PA
Throop wildfire risk explained
Throop's 2,173 buildings earn a 48th-percentile wildfire-risk score nationally under USFS's model — modestly above the national average for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Throop's burn probability — fire likelihood with no building count factored in — sits at the 47th percentile nationally.
What "at risk" means for the buildings here
Throop rates 95.8% Minimal exposure against just 3% Direct and 1.2% Indirect — of 2,173 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Where Throop ranks
Throop's 77th-percentile standing inside Pennsylvania outpaces its 48th national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Throop ranks 16,495 for wildfire risk (1 is highest) and 7,013 by building count (1 is largest). Within Pennsylvania alone, it ranks 456 of 1,991 places by risk. See the full county-by-county picture for Pennsylvania on its state page.
Throop and the insurance market
Throop's elevated wildfire rating (48th 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 95.8% of buildings rated Minimal exposure, Throop gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Throop's figures come from
The methodology guide shows exactly how USFS turned 2,173 counted buildings into the percentiles shown above for Throop. The exposure-zones guide covers what Throop's dominant minimal exposure actually means, with real examples from across the dataset.