Lubeck, WV
Lubeck, WV's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Lubeck lands at the 39th percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 820 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Lubeck at the 41st percentile, close to its 39th-percentile risk score.
Where Lubeck's buildings actually sit
83.2% of Lubeck's 820 buildings sit in USFS's Direct exposure zone, roughly 682 structures close enough to burnable vegetation for flame contact, not just embers — 16.8% fall in the Indirect, ember-only zone and 0% are Minimal.
How Lubeck compares
Inside West Virginia, Lubeck sits at just the 11th percentile even though it scores 39th nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Lubeck ranks 19,306 for wildfire risk (1 is highest) and 13,459 by building count (1 is largest). Within West Virginia alone, it ranks 382 of 429 places by risk. See the full county-by-county picture for West Virginia on its state page.
Lubeck and the insurance market
Lubeck's moderate wildfire rating (39th 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
Lubeck's 83.2% 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.
More on how this number was built
The methodology guide shows exactly how USFS turned 820 counted buildings into the percentiles shown above for Lubeck. For more on what direct exposure implies beyond Lubeck, see the exposure-zones guide.