Hurt, VA
Hurt, VA's wildfire risk, in USFS's own numbers
Hurt sits at the 48th percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 829 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Hurt at the 50th percentile, close to its 48th-percentile risk score.
Hurt's building exposure, zone by zone
Direct exposure dominates in Hurt: 87.3% of its 829 buildings, versus 12.7% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Hurt against the rest of the country
Hurt's risk sits at a similar level relative to Virginia (49th percentile statewide) as it does nationally (48th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Hurt ranks 16,500 for wildfire risk (1 is highest) and 13,361 by building count (1 is largest). Within Virginia alone, it ranks 350 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
Hurt's elevated rating (48th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
Because Direct exposure dominates in Hurt (87.3%), 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
The methodology guide shows exactly how USFS turned 829 counted buildings into the percentiles shown above for Hurt. For more on what direct exposure implies beyond Hurt, see the exposure-zones guide.