Lake Monticello, VA
Lake Monticello, VA's wildfire risk, in USFS's own numbers
USFS scores Lake Monticello at the 47th national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 4,455 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Lake Monticello's burn probability — fire likelihood with no building count factored in — sits at the 49th percentile nationally.
Where Lake Monticello's buildings actually sit
Direct exposure dominates in Lake Monticello: 86.4% of its 4,455 buildings, versus 12.7% Indirect and 0.9% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
How Lake Monticello compares
Lake Monticello scores 47th nationally and 47th 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, Lake Monticello ranks 16,749 for wildfire risk (1 is highest) and 3,832 by building count (1 is largest). Within Virginia alone, it ranks 360 of 681 places by risk. See the full county-by-county picture for Virginia on its state page.
Shopping for coverage in Lake Monticello
Lake Monticello's elevated rating (47th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Lake Monticello
Lake Monticello's 86.4% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where Lake Monticello's figures come from
The methodology guide shows exactly how USFS turned 4,455 counted buildings into the percentiles shown above for Lake Monticello. The exposure-zones guide covers what Lake Monticello's dominant direct exposure actually means, with real examples from across the dataset.