Loysville, PA
Loysville, PA's wildfire risk, in USFS's own numbers
Loysville's 371 buildings earn a 43rd-percentile wildfire-risk score nationally under USFS's model — modestly above the national average for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Loysville at the 44th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Loysville's buildings actually sit
USFS puts 51.2% of Loysville's 371 buildings in the Indirect exposure zone, versus 48.8% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Loysville against the rest of the country
Compare Loysville's two percentiles: 69th within Pennsylvania, only 43rd nationally — a gap of 26 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Loysville ranks 17,879 for wildfire risk (1 is highest) and 19,846 by building count (1 is largest). Within Pennsylvania alone, it ranks 611 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
Loysville's elevated wildfire rating (43rd 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.
Hardening a home in Loysville
With ember exposure the dominant pattern in Loysville (51.2% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Loysville's figures come from
The methodology guide shows exactly how USFS turned 371 counted buildings into the percentiles shown above for Loysville. The exposure-zones guide covers what Loysville's dominant indirect exposure actually means, with real examples from across the dataset.