Cumberland, VA
How exposed is Cumberland to wildfire?
USFS's Wildfire Risk to Communities model puts Cumberland at the 39th national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 386 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Cumberland's burn probability — fire likelihood with no building count factored in — sits at the 40th percentile nationally.
Cumberland's building exposure, zone by zone
88.3% of Cumberland's 386 buildings sit in USFS's Direct exposure zone, roughly 341 structures close enough to burnable vegetation for flame contact, not just embers — 11.7% fall in the Indirect, ember-only zone and 0% are Minimal.
Where Cumberland ranks
There's little gap between Cumberland's 39th national percentile and its 30th percentile inside Virginia, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Cumberland ranks 19,305 for wildfire risk (1 is highest) and 19,511 by building count (1 is largest). Within Virginia alone, it ranks 474 of 681 places by risk. See the full county-by-county picture for Virginia on its state page.
Shopping for coverage in Cumberland
Cumberland's moderate rating (39th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Cumberland
With 88.3% of Cumberland in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Cumberland's figures come from
Every one of the two percentiles behind Cumberland's 19,305-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Cumberland's dominant direct exposure actually means, with real examples from across the dataset.