Chatmoss, VA
How exposed is Chatmoss to wildfire?
Out of every US place USFS scores, Chatmoss lands at the 36th percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 952 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Chatmoss's burn probability — fire likelihood with no building count factored in — sits at the 37th percentile nationally.
What "at risk" means for the buildings here
Direct exposure dominates in Chatmoss: 97.9% of its 952 buildings, versus 2.1% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where Chatmoss ranks
Chatmoss's risk sits at a similar level relative to Virginia (25th percentile statewide) as it does nationally (36th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Chatmoss ranks 20,282 for wildfire risk (1 is highest) and 12,299 by building count (1 is largest). Within Virginia alone, it ranks 509 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
Chatmoss's moderate wildfire rating (36th 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.
Lowering exposure, not just insuring around it
Chatmoss's 97.9% 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.
More on how this number was built
Every one of the two percentiles behind Chatmoss's 20,282-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Chatmoss, see the exposure-zones guide.