Homestead, PA
Homestead, PA's wildfire risk, in USFS's own numbers
Homestead sits at the 19th 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 1,420 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Homestead at the 19th percentile, close to its 19th-percentile risk score.
What "at risk" means for the buildings here
Homestead rates 99.9% Minimal exposure against just 0.1% Direct and 0% Indirect — of 1,420 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Where Homestead ranks
There's little gap between Homestead's 19th national percentile and its 20th percentile inside Pennsylvania, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Homestead ranks 25,632 for wildfire risk (1 is highest) and 9,540 by building count (1 is largest). Within Pennsylvania alone, it ranks 1,593 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
Homestead's low wildfire rating (19th 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.
Lowering exposure, not just insuring around it
Homestead's 99.9% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 1,420 counted buildings into the percentiles shown above for Homestead. For more on what minimal exposure implies beyond Homestead, see the exposure-zones guide.