Troutville, VA
How exposed is Troutville to wildfire?
Out of every US place USFS scores, Troutville lands at the 70th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 314 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Troutville's burn probability — fire likelihood with no building count factored in — sits at the 70th percentile nationally.
What "at risk" means for the buildings here
314 buildings are counted in Troutville, and 59.9% 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.
Troutville against the rest of the country
There's little gap between Troutville's 70th national percentile and its 83rd percentile inside Virginia, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Troutville ranks 9,376 for wildfire risk (1 is highest) and 21,270 by building count (1 is largest). Within Virginia alone, it ranks 115 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
Troutville's 70th-percentile, high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Lowering exposure, not just insuring around it
Troutville's 59.9% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where Troutville's figures come from
The methodology guide shows exactly how USFS turned 314 counted buildings into the percentiles shown above for Troutville. The exposure-zones guide covers what Troutville's dominant direct exposure actually means, with real examples from across the dataset.