Accoville, WV
Accoville wildfire risk explained
USFS scores Accoville at the 97th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 282 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Accoville at the 98th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Accoville's building exposure, zone by zone
73.1% of Accoville's 282 buildings sit in USFS's Direct exposure zone, roughly 206 structures close enough to burnable vegetation for flame contact, not just embers — 27% fall in the Indirect, ember-only zone and 0% are Minimal.
Where Accoville ranks
Accoville's risk sits at a similar level relative to West Virginia (100th percentile statewide) as it does nationally (97th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Accoville ranks 1,119 for wildfire risk (1 is highest) and 22,142 by building count (1 is largest). Within West Virginia alone, it ranks 3 of 429 places by risk. See the full county-by-county picture for West Virginia on its state page.
Accoville and the insurance market
At the 97th percentile nationally, Accoville carries the very high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
What would actually reduce this score
Accoville's 73.1% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where Accoville's figures come from
The methodology guide shows exactly how USFS turned 282 counted buildings into the percentiles shown above for Accoville. The exposure-zones guide covers what Accoville's dominant direct exposure actually means, with real examples from across the dataset.