Troy, PA
Troy wildfire risk explained
USFS's Wildfire Risk to Communities model puts Troy at the 44th national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 612 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Troy's burn probability — fire likelihood with no building count factored in — sits at the 45th percentile nationally.
Where Troy's buildings actually sit
Of Troy's 612 counted buildings, 51.3% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Troy against the rest of the country
Troy's 70th-percentile standing inside Pennsylvania outpaces its 44th 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, Troy ranks 17,788 for wildfire risk (1 is highest) and 15,675 by building count (1 is largest). Within Pennsylvania alone, it ranks 597 of 1,991 places by risk. See the full county-by-county picture for Pennsylvania on its state page.
Troy and the insurance market
Troy's elevated rating (44th 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 Troy
Troy's 51.3% 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.
Where Troy's figures come from
Troy's 44th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Troy's dominant direct exposure actually means, with real examples from across the dataset.