Harman, WV
How exposed is Harman to wildfire?
USFS scores Harman at the 60th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 146 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Harman's burn probability — fire likelihood with no building count factored in — sits at the 59th percentile nationally.
Harman's building exposure, zone by zone
Direct exposure dominates in Harman: 62.3% of its 146 buildings, versus 37.7% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
How Harman compares
There's little gap between Harman's 60th national percentile and its 50th percentile inside West Virginia, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Harman ranks 12,561 for wildfire risk (1 is highest) and 27,052 by building count (1 is largest). Within West Virginia alone, it ranks 217 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
Harman's high rating (60th 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.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Harman (62.3%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Harman's 12,561-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Harman, see the exposure-zones guide.