Gypsy, WV
Gypsy wildfire risk explained
Gypsy sits at the 38th percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 194 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Gypsy at the 39th percentile, close to its 38th-percentile risk score.
What "at risk" means for the buildings here
194 buildings are counted in Gypsy, and 63.4% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
Gypsy against the rest of the country
Inside West Virginia, Gypsy sits at just the 9th percentile even though it scores 38th nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Gypsy ranks 19,651 for wildfire risk (1 is highest) and 25,107 by building count (1 is largest). Within West Virginia alone, it ranks 390 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
Gypsy's moderate rating (38th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
With 63.4% of Gypsy 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 Gypsy's figures come from
Gypsy's 38th-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 Gypsy's dominant direct exposure actually means, with real examples from across the dataset.