Windsor, VA
Windsor, VA's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Windsor at the 47th national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 1,415 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Windsor at the 47th percentile, close to its 47th-percentile risk score.
Where Windsor's buildings actually sit
55.1% of Windsor's 1,415 buildings sit in USFS's Direct exposure zone, roughly 779 structures close enough to burnable vegetation for flame contact, not just embers — 45% fall in the Indirect, ember-only zone and 0% are Minimal.
Windsor against the rest of the country
Windsor scores 47th nationally and 48th 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, Windsor ranks 16,624 for wildfire risk (1 is highest) and 9,565 by building count (1 is largest). Within Virginia alone, it ranks 355 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
Windsor's elevated wildfire rating (47th 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 Windsor (55.1%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Windsor's figures come from
Every one of the two percentiles behind Windsor's 16,624-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Windsor's dominant direct exposure actually means, with real examples from across the dataset.