Camptown, VA
Camptown wildfire risk explained
USFS's Wildfire Risk to Communities model puts Camptown at the 45th national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 616 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Camptown at the 46th percentile, close to its 45th-percentile risk score.
Where Camptown's buildings actually sit
Indirect exposure is dominant in Camptown (55.7% of 616 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 44.3% sit in the Direct zone.
Where Camptown ranks
There's little gap between Camptown's 45th national percentile and its 45th percentile inside Virginia, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Camptown ranks 17,223 for wildfire risk (1 is highest) and 15,623 by building count (1 is largest). Within Virginia alone, it ranks 377 of 681 places by risk. See the full county-by-county picture for Virginia on its state page.
What this risk score means for insurance
Camptown's elevated wildfire rating (45th 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.
Hardening a home in Camptown
Camptown's 55.7% 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.
Where Camptown's figures come from
Camptown's 45th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Camptown's dominant indirect exposure actually means, with real examples from across the dataset.