Timblin, PA
Timblin wildfire risk explained
USFS scores Timblin at the 45th national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 128 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Timblin's burn probability — fire likelihood with no building count factored in — sits at the 45th percentile nationally.
What "at risk" means for the buildings here
89.8% of Timblin's 128 buildings sit in USFS's Direct exposure zone, roughly 115 structures close enough to burnable vegetation for flame contact, not just embers — 10.2% fall in the Indirect, ember-only zone and 0% are Minimal.
Where Timblin ranks
Compare Timblin's two percentiles: 72nd within Pennsylvania, only 45th nationally — a gap of 27 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Timblin ranks 17,468 for wildfire risk (1 is highest) and 27,821 by building count (1 is largest). Within Pennsylvania alone, it ranks 565 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 45th national percentile, Timblin 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
Timblin's 89.8% 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 128 counted buildings into the percentiles shown above for Timblin. For more on what direct exposure implies beyond Timblin, see the exposure-zones guide.