Hartford City, WV
How exposed is Hartford City to wildfire?
USFS's Wildfire Risk to Communities model puts Hartford City at the 43rd national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 414 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Hartford City at the 44th percentile, close to its 43rd-percentile risk score.
Where Hartford City's buildings actually sit
53.4% of Hartford City's 414 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 44.4% Direct and 2.2% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
Hartford City against the rest of the country
Hartford City ranks lower within West Virginia (22nd percentile statewide) than its 43rd national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Hartford City ranks 18,138 for wildfire risk (1 is highest) and 18,959 by building count (1 is largest). Within West Virginia alone, it ranks 336 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
Hartford City's elevated wildfire rating (43rd 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.
Lowering exposure, not just insuring around it
With ember exposure the dominant pattern in Hartford City (53.4% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
Every one of the two percentiles behind Hartford City's 18,138-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Hartford City, see the exposure-zones guide.