Our chromosomes are XX
We get an X from our mother and an X from our father.
Natal male's chromosomes are XY.
They get the X from their mother and the Y from their father.
The X is what carries the gene for hair loss.
Natal males can look to their mother's family for hair loss. We cannot because we don't know which X is carrying it, if either.
At least this is is the thinking that made the most sense to me when I did my research on the subject of trans men and hair loss. I am not a scientist.
You could consider going on Finasteride as soon as you go on T. You need to start Finasteride prior to hair loss. The thinking is that it only blocks the DHT on the head and not on the body. Subsequently, the thinking is that this will not impact hair growth on other parts of the body (per my T doctor). But, anecdotal evidence has not shown this to be the case (from my experience, hearing from others).
I was given a prescription for Finasteride, but decided against it. I am also one of the unfortunate ones who hasn't gotten a ton of body hair on T yet. I have a light coating on my belly, some under my chin, thick coating on calves, the hair on the upper thighs are pretty short, but a surprisingly decent mustache. On the whole, not so stellar. I am 13 months on full dose T, and 19 months on T.
P.S. I just remembered you are 16 years old. Don't worry about it, you should have a long time before hair loss.