Hepzibah, WV
How exposed is Hepzibah to wildfire?
USFS's Wildfire Risk to Communities model puts Hepzibah at the 40th national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 342 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 Hepzibah at the 41st percentile, close to its 40th-percentile risk score.
What "at risk" means for the buildings here
342 buildings are counted in Hepzibah, and 55.9% of them are Indirect exposure — ember-driven risk rather than the 44.2% in Direct exposure or the 0% rated Minimal.
Where Hepzibah ranks
Hepzibah's 40th national percentile looks worse in isolation than its 14th ranking inside West Virginia does — this place is on the milder end for its own state, by 26 points. Among the 31,521 US communities USFS scores, Hepzibah ranks 18,959 for wildfire risk (1 is highest) and 20,538 by building count (1 is largest). Within West Virginia alone, it ranks 368 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
At the 40th national percentile, Hepzibah rates moderate for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
Hepzibah's 55.9% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
More on how this number was built
Hepzibah's 40th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Hepzibah, see the exposure-zones guide.