Stewartstown, PA
Stewartstown, PA's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Stewartstown at the 7th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 923 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Stewartstown's burn probability — fire likelihood with no building count factored in — sits at the 6th percentile nationally.
What "at risk" means for the buildings here
Indirect exposure is dominant in Stewartstown (54.2% of 923 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 45.8% sit in the Direct zone.
Where Stewartstown ranks
There's little gap between Stewartstown's 7th national percentile and its 4th percentile inside Pennsylvania, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Stewartstown ranks 29,359 for wildfire risk (1 is highest) and 12,532 by building count (1 is largest). Within Pennsylvania alone, it ranks 1,911 of 1,991 places by risk. See the full county-by-county picture for Pennsylvania on its state page.
Stewartstown and the insurance market
At the 7th national percentile, Stewartstown rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
What would actually reduce this score
Stewartstown's 54.2% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 923 counted buildings into the percentiles shown above for Stewartstown. For more on what indirect exposure implies beyond Stewartstown, see the exposure-zones guide.