Stowe, PA
How exposed is Stowe to wildfire?
Stowe sits at the 14th percentile nationally for wildfire risk to structures — among the lower wildfire-risk places nationally — per USFS's Wildfire Risk to Communities model, built from its 1,393 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Stowe at the 13th national percentile — 2 points below its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Indirect exposure is dominant in Stowe (81.1% of 1,393 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 19% sit in the Direct zone.
How Stowe compares
There's little gap between Stowe's 14th national percentile and its 14th percentile inside Pennsylvania, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Stowe ranks 27,022 for wildfire risk (1 is highest) and 9,663 by building count (1 is largest). Within Pennsylvania alone, it ranks 1,721 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
At the 14th national percentile, Stowe rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Hardening a home in Stowe
Stowe's 81.1% 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.
Where Stowe's figures come from
Every one of the two percentiles behind Stowe's 27,022-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Stowe's dominant indirect exposure actually means, with real examples from across the dataset.