Galloway, WV
Galloway wildfire risk explained
Out of every US place USFS scores, Galloway lands at the 44th percentile for wildfire risk to structures — modestly above the national average for wildfire risk — a figure built from its 92 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Galloway at the 45th percentile, close to its 44th-percentile risk score.
What "at risk" means for the buildings here
Direct exposure dominates in Galloway: 89.1% of its 92 buildings, versus 10.9% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
How Galloway compares
Galloway ranks lower within West Virginia (28th percentile statewide) than its 44th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Galloway ranks 17,569 for wildfire risk (1 is highest) and 29,430 by building count (1 is largest). Within West Virginia alone, it ranks 312 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
Galloway's elevated wildfire rating (44th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
What would actually reduce this score
With 89.1% of Galloway 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 Galloway's figures come from
Galloway's 44th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Galloway's dominant direct exposure actually means, with real examples from across the dataset.