Hostetter, PA
Hostetter wildfire risk explained
Hostetter sits at the 34th 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 391 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 Hostetter at the 34th percentile, close to its 34th-percentile risk score.
Hostetter's building exposure, zone by zone
54.2% of Hostetter's 391 buildings sit in USFS's Direct exposure zone, roughly 212 structures close enough to burnable vegetation for flame contact, not just embers — 40.2% fall in the Indirect, ember-only zone and 5.6% are Minimal.
Hostetter against the rest of the country
There's little gap between Hostetter's 34th national percentile and its 48th percentile inside Pennsylvania, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Hostetter ranks 20,749 for wildfire risk (1 is highest) and 19,399 by building count (1 is largest). Within Pennsylvania alone, it ranks 1,038 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
At the 34th national percentile, Hostetter rates moderate for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Hostetter (54.2%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Hostetter's figures come from
Every one of the two percentiles behind Hostetter's 20,749-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Hostetter's dominant direct exposure actually means, with real examples from across the dataset.