Hot Springs, VA
Hot Springs, VA's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Hot Springs at the 71st national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 659 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 Hot Springs at the 70th percentile, close to its 71st-percentile risk score.
What "at risk" means for the buildings here
Direct exposure dominates in Hot Springs: 82.7% of its 659 buildings, versus 17.3% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
How Hot Springs compares
Hot Springs scores 71st nationally and 84th within 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, Hot Springs ranks 9,031 for wildfire risk (1 is highest) and 15,082 by building count (1 is largest). Within Virginia alone, it ranks 107 of 681 places by risk. See the full county-by-county picture for Virginia on its state page.
What this risk score means for insurance
Hot Springs's high rating (71st 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
With 82.7% of Hot Springs in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 659 counted buildings into the percentiles shown above for Hot Springs. For more on what direct exposure implies beyond Hot Springs, see the exposure-zones guide.