Toftrees, PA
Toftrees wildfire risk explained
Toftrees's 704 buildings earn a 44th-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.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Toftrees at the 44th percentile, close to its 44th-percentile risk score.
What "at risk" means for the buildings here
704 buildings are counted in Toftrees, and 54.7% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
Where Toftrees ranks
Within Pennsylvania, Toftrees ranks higher (70th percentile) than it does nationally (44th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Toftrees ranks 17,726 for wildfire risk (1 is highest) and 14,616 by building count (1 is largest). Within Pennsylvania alone, it ranks 590 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 44th national percentile, Toftrees 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
With 54.7% of Toftrees 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 Toftrees's figures come from
Every one of the two percentiles behind Toftrees's 17,726-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Toftrees's dominant direct exposure actually means, with real examples from across the dataset.