Culloden, WV
How exposed is Culloden to wildfire?
Out of every US place USFS scores, Culloden lands at the 64th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 1,832 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Culloden at the 66th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Culloden's buildings actually sit
1,832 buildings are counted in Culloden, and 67.4% of them are Indirect exposure — ember-driven risk rather than the 32.6% in Direct exposure or the 0% rated Minimal.
Where Culloden ranks
There's little gap between Culloden's 64th national percentile and its 57th 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, Culloden ranks 11,268 for wildfire risk (1 is highest) and 7,979 by building count (1 is largest). Within West Virginia alone, it ranks 186 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
At the 64th percentile nationally, Culloden 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 67.4% of Culloden's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
Where Culloden's figures come from
Every one of the two percentiles behind Culloden's 11,268-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Culloden's dominant indirect exposure actually means, with real examples from across the dataset.