Cunard, WV
Cunard wildfire risk explained
USFS's Wildfire Risk to Communities model puts Cunard at the 69th national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 78 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Cunard at the 71st national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Cunard's building exposure, zone by zone
Direct exposure dominates in Cunard: 91% of its 78 buildings, versus 9% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Cunard against the rest of the country
Cunard scores 69th nationally and 63rd 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, Cunard ranks 9,661 for wildfire risk (1 is highest) and 29,991 by building count (1 is largest). Within West Virginia alone, it ranks 161 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
Cunard's high rating (69th 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
Cunard's 91% 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
Cunard's 69th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Cunard, see the exposure-zones guide.