Lightstreet, PA
How exposed is Lightstreet to wildfire?
USFS's Wildfire Risk to Communities model puts Lightstreet at the 36th national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 665 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Lightstreet's burn probability — fire likelihood with no building count factored in — sits at the 37th percentile nationally.
What "at risk" means for the buildings here
USFS puts 63.6% of Lightstreet's 665 buildings in the Indirect exposure zone, versus 36.4% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Lightstreet against the rest of the country
Compare Lightstreet's two percentiles: 51st within Pennsylvania, only 36th nationally — a gap of 16 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Lightstreet ranks 20,305 for wildfire risk (1 is highest) and 15,013 by building count (1 is largest). Within Pennsylvania alone, it ranks 971 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
Lightstreet'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 ember exposure the dominant pattern in Lightstreet (63.6% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Lightstreet's figures come from
Every one of the two percentiles behind Lightstreet's 20,305-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Lightstreet's dominant indirect exposure actually means, with real examples from across the dataset.