Stoystown, PA
Stoystown, PA's wildfire risk, in USFS's own numbers
USFS scores Stoystown at the 52nd national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 189 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Stoystown's burn probability — fire likelihood with no building count factored in — sits at the 51st percentile nationally.
What "at risk" means for the buildings here
Most of Stoystown's buildings (67.2%) 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.
How Stoystown compares
Stoystown's 86th-percentile standing inside Pennsylvania outpaces its 52nd national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Stoystown ranks 15,172 for wildfire risk (1 is highest) and 25,294 by building count (1 is largest). Within Pennsylvania alone, it ranks 285 of 1,991 places by risk. See the full county-by-county picture for Pennsylvania on its state page.
Stoystown and the insurance market
Stoystown's elevated wildfire rating (52nd 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
Stoystown's 67.2% 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
Stoystown's 52nd-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 Stoystown, see the exposure-zones guide.