Captains Cove, VA
How exposed is Captains Cove to wildfire?
Out of every US place USFS scores, Captains Cove lands at the 60th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 1,007 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Captains Cove at the 58th percentile, close to its 60th-percentile risk score.
Where Captains Cove's buildings actually sit
Of Captains Cove's 1,007 counted buildings, 72% carry Direct exposure and only 4.1% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Where Captains Cove ranks
Captains Cove's risk sits at a similar level relative to Virginia (67th percentile statewide) as it does nationally (60th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Captains Cove ranks 12,560 for wildfire risk (1 is highest) and 11,888 by building count (1 is largest). Within Virginia alone, it ranks 227 of 681 places by risk. See the full county-by-county picture for Virginia on its state page.
Captains Cove and the insurance market
At the 60th percentile nationally, Captains Cove carries the 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.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Captains Cove (72%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 1,007 counted buildings into the percentiles shown above for Captains Cove. For more on what direct exposure implies beyond Captains Cove, see the exposure-zones guide.