Chapmanville, WV
How exposed is Chapmanville to wildfire?
USFS's Wildfire Risk to Communities model puts Chapmanville at the 90th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 553 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 Chapmanville at the 93rd percentile, close to its 90th-percentile risk score.
Where Chapmanville's buildings actually sit
Indirect exposure is dominant in Chapmanville (93.7% of 553 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 6.3% sit in the Direct zone.
Where Chapmanville ranks
Chapmanville scores 90th nationally and 82nd within West Virginia — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Chapmanville ranks 3,104 for wildfire risk (1 is highest) and 16,535 by building count (1 is largest). Within West Virginia alone, it ranks 79 of 429 places by risk. See the full county-by-county picture for West Virginia on its state page.
What this risk score means for insurance
Chapmanville's 90th-percentile, very high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Lowering exposure, not just insuring around it
Chapmanville's 93.7% 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 Chapmanville's figures come from
Chapmanville's 90th-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 Chapmanville's dominant indirect exposure actually means, with real examples from across the dataset.