Racine, WV
How exposed is Racine to wildfire?
Out of every US place USFS scores, Racine lands at the 88th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 186 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Racine's burn probability — fire likelihood with no building count factored in — sits at the 91st percentile nationally.
Where Racine's buildings actually sit
USFS puts 61.8% of Racine's 186 buildings in the Indirect exposure zone, versus 38.2% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Where Racine ranks
There's little gap between Racine's 88th national percentile and its 78th 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, Racine ranks 3,704 for wildfire risk (1 is highest) and 25,405 by building count (1 is largest). Within West Virginia alone, it ranks 97 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
At the 88th percentile nationally, Racine carries the very high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Lowering exposure, not just insuring around it
Because 61.8% of Racine'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.
Where Racine's figures come from
Every one of the two percentiles behind Racine's 3,704-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Racine's dominant indirect exposure actually means, with real examples from across the dataset.