Stuart, VA
Stuart, VA's wildfire risk, in USFS's own numbers
Stuart's 683 buildings earn a 52nd-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.)
Fire likelihood alone (USFS's burn-probability figure) ranks Stuart at the 52nd national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Stuart's building exposure, zone by zone
683 buildings are counted in Stuart, and 68.5% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
How Stuart compares
Stuart scores 52nd nationally and 56th within Virginia — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Stuart ranks 15,177 for wildfire risk (1 is highest) and 14,834 by building count (1 is largest). Within Virginia alone, it ranks 299 of 681 places by risk. See the full county-by-county picture for Virginia on its state page.
What this risk score means for insurance
Stuart's elevated wildfire rating (52nd 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
Because Direct exposure dominates in Stuart (68.5%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
Stuart's 52nd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Stuart, see the exposure-zones guide.