Comfort, WV
Comfort wildfire risk explained
Out of every US place USFS scores, Comfort lands at the 89th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 179 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Comfort at the 91st national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Comfort's buildings actually sit
179 buildings are counted in Comfort, and 76% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
Comfort against the rest of the country
There's little gap between Comfort's 89th national percentile and its 79th percentile inside West Virginia, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Comfort ranks 3,544 for wildfire risk (1 is highest) and 25,694 by building count (1 is largest). Within West Virginia alone, it ranks 92 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
Comfort's very high rating (89th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Comfort (76%), 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
Every one of the two percentiles behind Comfort's 3,544-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Comfort, see the exposure-zones guide.