Stephens City, VA
Stephens City, VA's wildfire risk, in USFS's own numbers
Stephens City's 830 buildings earn a 50th-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.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Stephens City at the 52nd percentile, close to its 50th-percentile risk score.
Where Stephens City's buildings actually sit
Most of Stephens City's buildings (76.9%) sit in the Indirect zone, where wind-blown embers rather than flame front are the mechanism USFS is scoring — ember-resistant vents and non-combustible roofing are the interventions this pattern favors, more than defensible space alone.
Stephens City against the rest of the country
Stephens City's risk sits at a similar level relative to Virginia (53rd percentile statewide) as it does nationally (50th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Stephens City ranks 15,838 for wildfire risk (1 is highest) and 13,350 by building count (1 is largest). Within Virginia alone, it ranks 321 of 681 places by risk. See the full county-by-county picture for Virginia on its state page.
Shopping for coverage in Stephens City
Stephens City's elevated wildfire rating (50th 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.
What would actually reduce this score
With ember exposure the dominant pattern in Stephens City (76.9% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Stephens City's figures come from
The methodology guide shows exactly how USFS turned 830 counted buildings into the percentiles shown above for Stephens City. The exposure-zones guide covers what Stephens City's dominant indirect exposure actually means, with real examples from across the dataset.