Willow Street, PA
How exposed is Willow Street to wildfire?
Willow Street sits at the 5th percentile nationally for wildfire risk to structures — among the lower wildfire-risk places nationally — per USFS's Wildfire Risk to Communities model, built from its 2,572 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Willow Street at the 5th national percentile — 0 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Willow Street's buildings actually sit
67.5% of Willow Street's 2,572 buildings sit in USFS's Minimal exposure zone, with only 31.6% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Willow Street against the rest of the country
Willow Street's risk sits at a similar level relative to Pennsylvania (2nd percentile statewide) as it does nationally (5th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Willow Street ranks 29,894 for wildfire risk (1 is highest) and 6,157 by building count (1 is largest). Within Pennsylvania alone, it ranks 1,943 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
Willow Street's low rating (5th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Even with 67.5% of Willow Street outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where Willow Street's figures come from
Every one of the two percentiles behind Willow Street's 29,894-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Willow Street's dominant minimal exposure actually means, with real examples from across the dataset.