If you surround your stump with PWPs it should be protected. I think villager houses need a 5x5 area in which to spawn (3x3 for the actual house, than a border of at least one square), though I've never seen villager houses closer to other buildings than 2 squares.
I love the smell of downed UFO in the morning!
No random FCRs please. Seeking villagers: Phoebe, Julian, Jitters