Wilmerding, PA
How exposed is Wilmerding to wildfire?
Wilmerding sits at the 26th 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 681 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Wilmerding at the 26th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Indirect exposure is dominant in Wilmerding (60.4% of 681 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 6.8% sit in the Direct zone.
Wilmerding against the rest of the country
There's little gap between Wilmerding's 26th national percentile and its 30th percentile inside Pennsylvania, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Wilmerding ranks 23,461 for wildfire risk (1 is highest) and 14,854 by building count (1 is largest). Within Pennsylvania alone, it ranks 1,394 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
Wilmerding's moderate rating (26th 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
With ember exposure the dominant pattern in Wilmerding (60.4% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
The methodology guide shows exactly how USFS turned 681 counted buildings into the percentiles shown above for Wilmerding. For more on what indirect exposure implies beyond Wilmerding, see the exposure-zones guide.