Hartstown, PA
Hartstown wildfire risk explained
USFS scores Hartstown at the 36th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 140 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Hartstown at the 36th 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
140 buildings are counted in Hartstown, and 58.6% 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.
Where Hartstown ranks
Hartstown's 51st-percentile standing inside Pennsylvania outpaces its 36th 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, Hartstown ranks 20,274 for wildfire risk (1 is highest) and 27,302 by building count (1 is largest). Within Pennsylvania alone, it ranks 964 of 1,991 places by risk. See the full county-by-county picture for Pennsylvania on its state page.
Hartstown and the insurance market
Hartstown's moderate wildfire rating (36th 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.
What would actually reduce this score
With 58.6% of Hartstown in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Hartstown's figures come from
Hartstown's 36th-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 Hartstown's dominant direct exposure actually means, with real examples from across the dataset.