White Stone, VA
How exposed is White Stone to wildfire?
White Stone sits at the 44th percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 361 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks White Stone at the 44th national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Direct exposure dominates in White Stone: 70.4% of its 361 buildings, versus 29.6% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
White Stone against the rest of the country
There's little gap between White Stone's 44th national percentile and its 41st percentile inside Virginia, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, White Stone ranks 17,632 for wildfire risk (1 is highest) and 20,050 by building count (1 is largest). Within Virginia alone, it ranks 403 of 681 places by risk. See the full county-by-county picture for Virginia on its state page.
White Stone and the insurance market
At the 44th national percentile, White Stone rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
White Stone's 70.4% 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 White Stone's figures come from
White Stone's 44th-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 White Stone's dominant direct exposure actually means, with real examples from across the dataset.