Lovettsville, VA
Lovettsville, VA's wildfire risk, in USFS's own numbers
USFS scores Lovettsville at the 35th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 1,005 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Lovettsville's burn probability — fire likelihood with no building count factored in — sits at the 35th percentile nationally.
What "at risk" means for the buildings here
Most of Lovettsville's buildings (57.3%) 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.
How Lovettsville compares
Lovettsville scores 35th nationally and 24th 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, Lovettsville ranks 20,657 for wildfire risk (1 is highest) and 11,898 by building count (1 is largest). Within Virginia alone, it ranks 518 of 681 places by risk. See the full county-by-county picture for Virginia on its state page.
Shopping for coverage in Lovettsville
Lovettsville's moderate wildfire rating (35th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
What would actually reduce this score
With ember exposure the dominant pattern in Lovettsville (57.3% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Lovettsville's figures come from
The methodology guide shows exactly how USFS turned 1,005 counted buildings into the percentiles shown above for Lovettsville. The exposure-zones guide covers what Lovettsville's dominant indirect exposure actually means, with real examples from across the dataset.