Cofield, NC
Cofield wildfire risk explained
Out of every US place USFS scores, Cofield lands at the 53rd percentile for wildfire risk to structures — modestly above the national average for wildfire risk — a figure built from its 284 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Cofield at the 54th percentile, close to its 53rd-percentile risk score.
Cofield's building exposure, zone by zone
Of Cofield's 284 counted buildings, 83.8% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Where Cofield ranks
Cofield's risk sits at a similar level relative to North Carolina (47th percentile statewide) as it does nationally (53rd) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Cofield ranks 14,724 for wildfire risk (1 is highest) and 22,071 by building count (1 is largest). Within North Carolina alone, it ranks 408 of 772 places by risk. See the full county-by-county picture for North Carolina on its state page.
Cofield and the insurance market
Cofield's elevated wildfire rating (53rd 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
With 83.8% of Cofield 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.
More on how this number was built
Every one of the two percentiles behind Cofield's 14,724-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Cofield, see the exposure-zones guide.