McNair, VA
How exposed is McNair to wildfire?
McNair sits at the 7th percentile nationally for wildfire risk to structures — among the lower wildfire-risk places nationally — per USFS's Wildfire Risk to Communities model, built from its 718 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, McNair's burn probability — fire likelihood with no building count factored in — sits at the 7th percentile nationally.
What "at risk" means for the buildings here
Most of McNair's buildings (98.9% of 718) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
How McNair compares
McNair's risk sits at a similar level relative to Virginia (0th percentile statewide) as it does nationally (7th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, McNair ranks 29,393 for wildfire risk (1 is highest) and 14,491 by building count (1 is largest). Within Virginia alone, it ranks 681 of 681 places by risk. See the full county-by-county picture for Virginia on its state page.
What this risk score means for insurance
McNair's low wildfire rating (7th 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.
Lowering exposure, not just insuring around it
With 98.9% of buildings rated Minimal exposure, McNair gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where McNair's figures come from
McNair's 7th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what McNair's dominant minimal exposure actually means, with real examples from across the dataset.