Stollings, WV
How exposed is Stollings to wildfire?
Stollings sits at the 94th percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 176 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Stollings at the 96th percentile, close to its 94th-percentile risk score.
Where Stollings's buildings actually sit
66.5% of Stollings's 176 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 33.5% Direct and 0% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
Stollings against the rest of the country
There's little gap between Stollings's 94th national percentile and its 95th 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, Stollings ranks 1,844 for wildfire risk (1 is highest) and 25,811 by building count (1 is largest). Within West Virginia alone, it ranks 24 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
Stollings's very high rating (94th 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.
Lowering exposure, not just insuring around it
Stollings's 66.5% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
More on how this number was built
Stollings's 94th-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 Stollings, see the exposure-zones guide.