Middleburg, VA
Middleburg wildfire risk explained
USFS scores Middleburg at the 34th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 472 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Middleburg's burn probability — fire likelihood with no building count factored in — sits at the 34th percentile nationally.
What "at risk" means for the buildings here
Indirect exposure is dominant in Middleburg (60% of 472 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 40% sit in the Direct zone.
Middleburg against the rest of the country
Middleburg's risk sits at a similar level relative to Virginia (23rd percentile statewide) as it does nationally (34th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Middleburg ranks 20,877 for wildfire risk (1 is highest) and 17,844 by building count (1 is largest). Within Virginia alone, it ranks 522 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
Middleburg's moderate wildfire rating (34th 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.
Hardening a home in Middleburg
Middleburg's 60% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
More on how this number was built
Middleburg's 34th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Middleburg, see the exposure-zones guide.