Keystone, WV
How exposed is Keystone to wildfire?
Keystone sits at the 86th percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 212 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 Keystone at the 88th percentile, close to its 86th-percentile risk score.
What "at risk" means for the buildings here
Most of Keystone's buildings (80.7%) sit in the Indirect zone, where wind-blown embers rather than flame front are the mechanism USFS is scoring — ember-resistant vents and non-combustible roofing are the interventions this pattern favors, more than defensible space alone.
Keystone against the rest of the country
Keystone scores 86th nationally and 75th 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, Keystone ranks 4,334 for wildfire risk (1 is highest) and 24,425 by building count (1 is largest). Within West Virginia alone, it ranks 108 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 86th percentile nationally, Keystone carries the very high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Hardening a home in Keystone
Keystone's 80.7% 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
Keystone's 86th-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 Keystone, see the exposure-zones guide.