Hambleton, WV
Hambleton, WV's wildfire risk, in USFS's own numbers
USFS scores Hambleton at the 61st national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 180 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Hambleton at the 59th national percentile — 2 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Hambleton's buildings actually sit
180 buildings are counted in Hambleton, and 75% of them are Indirect exposure — ember-driven risk rather than the 25% in Direct exposure or the 0% rated Minimal.
Hambleton against the rest of the country
Hambleton's risk sits at a similar level relative to West Virginia (51st percentile statewide) as it does nationally (61st) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Hambleton ranks 12,278 for wildfire risk (1 is highest) and 25,655 by building count (1 is largest). Within West Virginia alone, it ranks 210 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
Hambleton's high rating (61st 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.
Hardening a home in Hambleton
With ember exposure the dominant pattern in Hambleton (75% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Hambleton's figures come from
The methodology guide shows exactly how USFS turned 180 counted buildings into the percentiles shown above for Hambleton. The exposure-zones guide covers what Hambleton's dominant indirect exposure actually means, with real examples from across the dataset.