Fairfield, NC
Fairfield, NC's wildfire risk, in USFS's own numbers
Fairfield sits at the 81st percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 298 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Fairfield's burn probability — fire likelihood with no building count factored in — sits at the 77th percentile nationally.
Where Fairfield's buildings actually sit
57.1% of Fairfield's 298 buildings sit in USFS's Direct exposure zone, roughly 170 structures close enough to burnable vegetation for flame contact, not just embers — 24.5% fall in the Indirect, ember-only zone and 18.5% are Minimal.
Fairfield against the rest of the country
Fairfield scores 81st nationally and 88th within North Carolina — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Fairfield ranks 5,868 for wildfire risk (1 is highest) and 21,685 by building count (1 is largest). Within North Carolina alone, it ranks 97 of 772 places by risk. See the full county-by-county picture for North Carolina on its state page.
What this risk score means for insurance
At the 81st percentile nationally, Fairfield carries the very high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Hardening a home in Fairfield
Because Direct exposure dominates in Fairfield (57.1%), 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 Fairfield's 5,868-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Fairfield, see the exposure-zones guide.