Engelhard, NC
Engelhard wildfire risk explained
Engelhard's 395 buildings earn a 88th-percentile wildfire-risk score nationally under USFS's model — in USFS's highest wildfire-risk band nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Engelhard at the 82nd national percentile — 6 points below its risk-to-structures score, a gap driven by how much is actually built there.
Engelhard's building exposure, zone by zone
Direct exposure dominates in Engelhard: 59.8% of its 395 buildings, versus 39.8% Indirect and 0.5% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where Engelhard ranks
Engelhard's risk sits at a similar level relative to North Carolina (97th percentile statewide) as it does nationally (88th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Engelhard ranks 3,693 for wildfire risk (1 is highest) and 19,320 by building count (1 is largest). Within North Carolina alone, it ranks 22 of 772 places by risk. See the full county-by-county picture for North Carolina on its state page.
Shopping for coverage in Engelhard
Engelhard's very high rating (88th 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.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Engelhard (59.8%), 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
Every one of the two percentiles behind Engelhard's 3,693-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Engelhard, see the exposure-zones guide.