Cove Creek, NC
Cove Creek wildfire risk explained
Cove Creek's 976 buildings earn a 73rd-percentile wildfire-risk score nationally under USFS's model — well above the national norm for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Cove Creek at the 76th percentile, close to its 73rd-percentile risk score.
Where Cove Creek's buildings actually sit
Direct exposure dominates in Cove Creek: 100% of its 976 buildings, versus 0% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Cove Creek against the rest of the country
There's little gap between Cove Creek's 73rd national percentile and its 75th 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, Cove Creek ranks 8,384 for wildfire risk (1 is highest) and 12,100 by building count (1 is largest). Within North Carolina alone, it ranks 197 of 772 places by risk. See the full county-by-county picture for North Carolina on its state page.
Cove Creek and the insurance market
Cove Creek's high rating (73rd percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
What would actually reduce this score
Because Direct exposure dominates in Cove Creek (100%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 976 counted buildings into the percentiles shown above for Cove Creek. For more on what direct exposure implies beyond Cove Creek, see the exposure-zones guide.