Stonerstown, PA
How exposed is Stonerstown to wildfire?
Out of every US place USFS scores, Stonerstown lands at the 55th percentile for wildfire risk to structures — modestly above the national average for wildfire risk — a figure built from its 246 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Stonerstown's burn probability — fire likelihood with no building count factored in — sits at the 53rd percentile nationally.
Where Stonerstown's buildings actually sit
Most of Stonerstown's buildings (88.6%) sit in the Indirect zone, where wind-blown embers rather than flame front are the mechanism USFS is scoring — ember-resistant vents and non-combustible roofing are the interventions this pattern favors, more than defensible space alone.
Stonerstown against the rest of the country
Within Pennsylvania, Stonerstown ranks higher (90th percentile) than it does nationally (55th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Stonerstown ranks 14,347 for wildfire risk (1 is highest) and 23,278 by building count (1 is largest). Within Pennsylvania alone, it ranks 198 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
Stonerstown's elevated wildfire rating (55th 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 Stonerstown
Because 88.6% of Stonerstown's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
More on how this number was built
Stonerstown's 55th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Stonerstown, see the exposure-zones guide.