Schooner Bay, VA
Schooner Bay, VA's wildfire risk, in USFS's own numbers
Schooner Bay's 79 buildings earn a 80th-percentile wildfire-risk score nationally under USFS's model — in USFS's highest wildfire-risk band nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Schooner Bay's burn probability — fire likelihood with no building count factored in — sits at the 71st percentile nationally.
Schooner Bay's building exposure, zone by zone
Indirect exposure is dominant in Schooner Bay (46.8% of 79 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 36.7% sit in the Direct zone.
Where Schooner Bay ranks
There's little gap between Schooner Bay's 80th national percentile and its 92nd percentile inside Virginia, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Schooner Bay ranks 6,256 for wildfire risk (1 is highest) and 29,948 by building count (1 is largest). Within Virginia alone, it ranks 54 of 681 places by risk. See the full county-by-county picture for Virginia on its state page.
Shopping for coverage in Schooner Bay
Schooner Bay's very high rating (80th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
What would actually reduce this score
With ember exposure the dominant pattern in Schooner Bay (46.8% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Schooner Bay's figures come from
Every one of the two percentiles behind Schooner Bay's 6,256-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Schooner Bay's dominant indirect exposure actually means, with real examples from across the dataset.