Carolina Meadows, NC
How exposed is Carolina Meadows to wildfire?
Carolina Meadows's 145 buildings earn a 37th-percentile wildfire-risk score nationally under USFS's model — close to the middle of USFS's national wildfire-risk range. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Carolina Meadows's burn probability — fire likelihood with no building count factored in — sits at the 39th percentile nationally.
What "at risk" means for the buildings here
Indirect exposure is dominant in Carolina Meadows (69% of 145 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 31% sit in the Direct zone.
How Carolina Meadows compares
Carolina Meadows ranks lower within North Carolina (11th percentile statewide) than its 37th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Carolina Meadows ranks 19,827 for wildfire risk (1 is highest) and 27,092 by building count (1 is largest). Within North Carolina alone, it ranks 691 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
Carolina Meadows's moderate wildfire rating (37th 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.
Lowering exposure, not just insuring around it
Because 69% of Carolina Meadows's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
Where Carolina Meadows's figures come from
Carolina Meadows's 37th-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 Carolina Meadows's dominant indirect exposure actually means, with real examples from across the dataset.