Chimney Rock Village, NC
Chimney Rock Village, NC's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Chimney Rock Village at the 79th national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 233 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 Chimney Rock Village at the 79th percentile, close to its 79th-percentile risk score.
Where Chimney Rock Village's buildings actually sit
90.6% of Chimney Rock Village's 233 buildings sit in USFS's Direct exposure zone, roughly 211 structures close enough to burnable vegetation for flame contact, not just embers — 9.4% fall in the Indirect, ember-only zone and 0% are Minimal.
Where Chimney Rock Village ranks
There's little gap between Chimney Rock Village's 79th national percentile and its 82nd 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, Chimney Rock Village ranks 6,782 for wildfire risk (1 is highest) and 23,708 by building count (1 is largest). Within North Carolina alone, it ranks 144 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
At the 79th percentile nationally, Chimney Rock Village carries the high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Hardening a home in Chimney Rock Village
Chimney Rock Village's 90.6% 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 Chimney Rock Village's figures come from
Every one of the two percentiles behind Chimney Rock Village's 6,782-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Chimney Rock Village's dominant direct exposure actually means, with real examples from across the dataset.