Harts, WV
How exposed is Harts to wildfire?
Out of every US place USFS scores, Harts lands at the 90th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 470 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Harts's burn probability — fire likelihood with no building count factored in — sits at the 93rd percentile nationally.
What "at risk" means for the buildings here
470 buildings are counted in Harts, and 82.6% 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.
Where Harts ranks
Harts scores 90th nationally and 81st within West Virginia — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Harts ranks 3,137 for wildfire risk (1 is highest) and 17,889 by building count (1 is largest). Within West Virginia alone, it ranks 81 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
Harts's very high rating (90th 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 Harts
Because Direct exposure dominates in Harts (82.6%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Harts's figures come from
Every one of the two percentiles behind Harts's 3,137-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Harts's dominant direct exposure actually means, with real examples from across the dataset.