Stonybrook, PA
How exposed is Stonybrook to wildfire?
USFS's Wildfire Risk to Communities model puts Stonybrook at the 9th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 1,291 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Stonybrook at the 8th percentile, close to its 9th-percentile risk score.
Where Stonybrook's buildings actually sit
1,291 buildings are counted in Stonybrook, and 52.6% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 37.3% rated Minimal.
Where Stonybrook ranks
Stonybrook's risk sits at a similar level relative to Pennsylvania (7th percentile statewide) as it does nationally (9th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Stonybrook ranks 28,604 for wildfire risk (1 is highest) and 10,117 by building count (1 is largest). Within Pennsylvania alone, it ranks 1,850 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
Stonybrook's low wildfire rating (9th 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.
Lowering exposure, not just insuring around it
With 52.6% of Stonybrook in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 1,291 counted buildings into the percentiles shown above for Stonybrook. For more on what direct exposure implies beyond Stonybrook, see the exposure-zones guide.