Mallory, WV
How exposed is Mallory to wildfire?
USFS's Wildfire Risk to Communities model puts Mallory at the 95th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 920 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Mallory at the 97th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Mallory's building exposure, zone by zone
Direct exposure dominates in Mallory: 51% of its 920 buildings, versus 49% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where Mallory ranks
There's little gap between Mallory's 95th national percentile and its 97th percentile inside West Virginia, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Mallory ranks 1,465 for wildfire risk (1 is highest) and 12,556 by building count (1 is largest). Within West Virginia alone, it ranks 14 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
Mallory's 95th-percentile, very high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Hardening a home in Mallory
With 51% of Mallory in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
More on how this number was built
Mallory's 95th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Mallory, see the exposure-zones guide.