Mill Creek, WV
Mill Creek wildfire risk explained
Mill Creek's 450 buildings earn a 55th-percentile wildfire-risk score nationally under USFS's model — modestly above the national average for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Mill Creek's burn probability — fire likelihood with no building count factored in — sits at the 54th percentile nationally.
What "at risk" means for the buildings here
450 buildings are counted in Mill Creek, and 67.8% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
Where Mill Creek ranks
Mill Creek scores 55th nationally and 43rd within West 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, Mill Creek ranks 14,356 for wildfire risk (1 is highest) and 18,287 by building count (1 is largest). Within West Virginia alone, it ranks 248 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
Mill Creek's elevated rating (55th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
With 67.8% of Mill Creek 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.
Where Mill Creek's figures come from
Every one of the two percentiles behind Mill Creek's 14,356-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Mill Creek's dominant direct exposure actually means, with real examples from across the dataset.