Wagner, PA
Wagner, PA's wildfire risk, in USFS's own numbers
USFS scores Wagner at the 54th national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 105 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Wagner at the 51st national percentile — 2 points below its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
105 buildings are counted in Wagner, and 89.5% 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.
Wagner against the rest of the country
Compare Wagner's two percentiles: 89th within Pennsylvania, only 54th nationally — a gap of 35 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Wagner ranks 14,638 for wildfire risk (1 is highest) and 28,818 by building count (1 is largest). Within Pennsylvania alone, it ranks 229 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
Wagner's elevated wildfire rating (54th 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.
Hardening a home in Wagner
Because Direct exposure dominates in Wagner (89.5%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Wagner's figures come from
Wagner's 54th-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 Wagner's dominant direct exposure actually means, with real examples from across the dataset.