New Cumberland, WV
New Cumberland wildfire risk explained
New Cumberland sits at the 41st percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 605 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, New Cumberland's burn probability — fire likelihood with no building count factored in — sits at the 41st percentile nationally.
Where New Cumberland's buildings actually sit
Indirect exposure is dominant in New Cumberland (79.2% of 605 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 20.7% sit in the Direct zone.
New Cumberland against the rest of the country
New Cumberland's 41st national percentile looks worse in isolation than its 18th ranking inside West Virginia does — this place is on the milder end for its own state, by 24 points. Among the 31,521 US communities USFS scores, New Cumberland ranks 18,582 for wildfire risk (1 is highest) and 15,777 by building count (1 is largest). Within West Virginia alone, it ranks 354 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
New Cumberland's elevated rating (41st 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
Because 79.2% of New Cumberland's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
More on how this number was built
New Cumberland's 41st-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 New Cumberland, see the exposure-zones guide.