White Oak, PA
White Oak, PA's wildfire risk, in USFS's own numbers
White Oak sits at the 29th percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 3,911 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks White Oak at the 29th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where White Oak's buildings actually sit
Most of White Oak's buildings (36.9% of 3,911) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
Where White Oak ranks
There's little gap between White Oak's 29th national percentile and its 36th percentile inside Pennsylvania, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, White Oak ranks 22,449 for wildfire risk (1 is highest) and 4,328 by building count (1 is largest). Within Pennsylvania alone, it ranks 1,284 of 1,991 places by risk. See the full county-by-county picture for Pennsylvania on its state page.
White Oak and the insurance market
At the 29th national percentile, White Oak rates moderate for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
What would actually reduce this score
With 36.9% of buildings rated Minimal exposure, White Oak gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where White Oak's figures come from
White Oak's 29th-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 White Oak's dominant minimal exposure actually means, with real examples from across the dataset.