Crumpler, WV
Crumpler wildfire risk explained
Crumpler sits at the 83rd percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 183 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Crumpler at the 85th percentile, close to its 83rd-percentile risk score.
Crumpler's building exposure, zone by zone
50.8% of Crumpler's 183 buildings sit in USFS's Direct exposure zone, roughly 93 structures close enough to burnable vegetation for flame contact, not just embers — 49.2% fall in the Indirect, ember-only zone and 0% are Minimal.
Where Crumpler ranks
Crumpler scores 83rd nationally and 73rd 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, Crumpler ranks 5,469 for wildfire risk (1 is highest) and 25,519 by building count (1 is largest). Within West Virginia alone, it ranks 118 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
Crumpler's very high rating (83rd 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
Crumpler's 50.8% 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
The methodology guide shows exactly how USFS turned 183 counted buildings into the percentiles shown above for Crumpler. For more on what direct exposure implies beyond Crumpler, see the exposure-zones guide.