Floyd, VA
Floyd wildfire risk explained
Out of every US place USFS scores, Floyd lands at the 72nd percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 406 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Floyd at the 74th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Floyd's buildings actually sit
65% of Floyd's 406 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 35% Direct and 0% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
How Floyd compares
Floyd scores 72nd nationally and 85th within 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, Floyd ranks 8,935 for wildfire risk (1 is highest) and 19,110 by building count (1 is largest). Within Virginia alone, it ranks 102 of 681 places by risk. See the full county-by-county picture for Virginia on its state page.
What this risk score means for insurance
Floyd's 72nd-percentile, high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Lowering exposure, not just insuring around it
With ember exposure the dominant pattern in Floyd (65% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Floyd's figures come from
The methodology guide shows exactly how USFS turned 406 counted buildings into the percentiles shown above for Floyd. The exposure-zones guide covers what Floyd's dominant indirect exposure actually means, with real examples from across the dataset.