No one can predict what will happen, you have to take all that into consideration when you plan these things really. For example when I had ds2, at home, labour began at 7am and was full on from the start, and he was born at 10.30am. I had a midwife who probably arrived around 8.30 and found I was about 4cm so she stayed, then another one turned up whose face I don't even remember as she was there for about an hour perhaps, including cleaning up the carpet 
I did have a minor PPH (about 500ml?) and there was a chance of transferring, I was told after - they were panicking slightly till the injection stopped it - but it was not far to the hospital, well, 30 minutes to the main one but there was a downgraded A&E about 5-10 minutes away that would have sufficed if I'd been bleeding out...they said they wouldn't have gone there though.
I had tried to take the risk of transfer into account when I decided on a HB
The thing is I was then much quicker to recover at home, while in hospital I had all sorts of problems, was taking up a bed both times for many hours till I was allowed to be discharged (the paperwork! OMG how long does that take - and having to be 'passed as fit to leave' by a doctor, or three - it takes bloody ages and I was sitting almost catatonic, alone, on a bed, unable to lie down as the baby was on the bed, unable to put the baby in the cot as I couldn't walk, (epidural), unable to eat as I felt so anxious and sick and vulnerable in front of the other people. I sat in pain and stared out of one grey window on a January day from 2am to 5.30pm, until someone turned up to take me home. I couldn't even contact them as I had forgotten my phone in the ambulance.
Epidural availability or not there is no way on earth I'd have a baby in hospital again, and what a waste of resources anyway, considering I had nothing wrong with me and was just waiting for them to go through the motions and let me out.