Hampden-Sydney, VA
How exposed is Hampden-Sydney to wildfire?
USFS's Wildfire Risk to Communities model puts Hampden-Sydney at the 44th national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 304 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Hampden-Sydney's burn probability — fire likelihood with no building count factored in — sits at the 46th percentile nationally.
What "at risk" means for the buildings here
87.5% of Hampden-Sydney's 304 buildings sit in USFS's Direct exposure zone, roughly 266 structures close enough to burnable vegetation for flame contact, not just embers — 12.5% fall in the Indirect, ember-only zone and 0% are Minimal.
Hampden-Sydney against the rest of the country
There's little gap between Hampden-Sydney's 44th national percentile and its 40th percentile inside Virginia, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Hampden-Sydney ranks 17,731 for wildfire risk (1 is highest) and 21,531 by building count (1 is largest). Within Virginia alone, it ranks 406 of 681 places by risk. See the full county-by-county picture for Virginia on its state page.
Shopping for coverage in Hampden-Sydney
Hampden-Sydney's elevated rating (44th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Hampden-Sydney's 87.5% 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
Every one of the two percentiles behind Hampden-Sydney's 17,731-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Hampden-Sydney, see the exposure-zones guide.