Warm Springs, VA
Warm Springs, VA's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Warm Springs lands at the 77th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 166 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Warm Springs's burn probability — fire likelihood with no building count factored in — sits at the 75th percentile nationally.
Warm Springs's building exposure, zone by zone
100% of Warm Springs's 166 buildings sit in USFS's Direct exposure zone, roughly 166 structures close enough to burnable vegetation for flame contact, not just embers — 0% fall in the Indirect, ember-only zone and 0% are Minimal.
How Warm Springs compares
Warm Springs scores 77th nationally and 91st 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, Warm Springs ranks 7,327 for wildfire risk (1 is highest) and 26,196 by building count (1 is largest). Within Virginia alone, it ranks 65 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
Warm Springs's 77th-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
Warm Springs's 100% 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 Warm Springs's figures come from
Warm Springs's 77th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Warm Springs's dominant direct exposure actually means, with real examples from across the dataset.