Homewood at Martinsburg, PA
Homewood at Martinsburg wildfire risk explained
USFS scores Homewood at Martinsburg at the 8th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 50 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Homewood at Martinsburg's burn probability — fire likelihood with no building count factored in — sits at the 9th percentile nationally.
Where Homewood at Martinsburg's buildings actually sit
Homewood at Martinsburg rates 80% Minimal exposure against just 14% Direct and 6% Indirect — of 50 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Where Homewood at Martinsburg ranks
Homewood at Martinsburg's risk sits at a similar level relative to Pennsylvania (6th percentile statewide) as it does nationally (8th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Homewood at Martinsburg ranks 28,886 for wildfire risk (1 is highest) and 30,940 by building count (1 is largest). Within Pennsylvania alone, it ranks 1,877 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
Homewood at Martinsburg's low wildfire rating (8th 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
With 80% of buildings rated Minimal exposure, Homewood at Martinsburg gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Homewood at Martinsburg's figures come from
Homewood at Martinsburg's 8th-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 Homewood at Martinsburg's dominant minimal exposure actually means, with real examples from across the dataset.