Elroy, NC
Elroy, NC's wildfire risk, in USFS's own numbers
Elroy's 2,189 buildings earn a 45th-percentile wildfire-risk score nationally under USFS's model — modestly above the national average 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 Elroy at the 44th percentile, close to its 45th-percentile risk score.
Elroy's building exposure, zone by zone
USFS classifies 76.6% of Elroy's buildings as Direct exposure, higher than its 23.2% Indirect share and far above its 0.2% Minimal share — a profile where 1,677 structures sit close enough to vegetation that lot clearing matters most.
Elroy against the rest of the country
Elroy ranks lower within North Carolina (27th percentile statewide) than its 45th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Elroy ranks 17,241 for wildfire risk (1 is highest) and 6,963 by building count (1 is largest). Within North Carolina alone, it ranks 567 of 772 places by risk. See the full county-by-county picture for North Carolina on its state page.
Shopping for coverage in Elroy
Elroy's elevated wildfire rating (45th 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
With 76.6% of Elroy 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 Elroy's figures come from
Elroy's 45th-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 Elroy's dominant direct exposure actually means, with real examples from across the dataset.