Bogue, NC
Bogue wildfire risk explained
Out of every US place USFS scores, Bogue lands at the 79th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 531 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Bogue's burn probability — fire likelihood with no building count factored in — sits at the 75th percentile nationally.
What "at risk" means for the buildings here
80.2% of Bogue's 531 buildings sit in USFS's Direct exposure zone, roughly 426 structures close enough to burnable vegetation for flame contact, not just embers — 18.6% fall in the Indirect, ember-only zone and 1.1% are Minimal.
How Bogue compares
There's little gap between Bogue's 79th national percentile and its 83rd percentile inside North Carolina, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Bogue ranks 6,659 for wildfire risk (1 is highest) and 16,851 by building count (1 is largest). Within North Carolina alone, it ranks 128 of 772 places by risk. See the full county-by-county picture for North Carolina on its state page.
What this risk score means for insurance
Bogue's 79th-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
With 80.2% of Bogue in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Bogue's figures come from
Bogue's 79th-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 Bogue's dominant direct exposure actually means, with real examples from across the dataset.