Fairfield Harbour, NC
Fairfield Harbour, NC's wildfire risk, in USFS's own numbers
USFS scores Fairfield Harbour at the 78th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 1,663 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Fairfield Harbour at the 71st percentile, close to its 78th-percentile risk score.
What "at risk" means for the buildings here
Of Fairfield Harbour's 1,663 counted buildings, 71.2% carry Direct exposure and only 1.7% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Where Fairfield Harbour ranks
Fairfield Harbour's risk sits at a similar level relative to North Carolina (81st percentile statewide) as it does nationally (78th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Fairfield Harbour ranks 6,904 for wildfire risk (1 is highest) and 8,548 by building count (1 is largest). Within North Carolina alone, it ranks 149 of 772 places by risk. See the full county-by-county picture for North Carolina on its state page.
Fairfield Harbour and the insurance market
Fairfield Harbour's high rating (78th 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.
Hardening a home in Fairfield Harbour
Because Direct exposure dominates in Fairfield Harbour (71.2%), 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 1,663 counted buildings into the percentiles shown above for Fairfield Harbour. For more on what direct exposure implies beyond Fairfield Harbour, see the exposure-zones guide.