Fingerville, SC
Fingerville wildfire risk explained
USFS's Wildfire Risk to Communities model puts Fingerville at the 66th national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 108 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Fingerville's burn probability — fire likelihood with no building count factored in — sits at the 69th percentile nationally.
What "at risk" means for the buildings here
108 buildings are counted in Fingerville, and 93.5% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
How Fingerville compares
Fingerville ranks lower within South Carolina (41st percentile statewide) than its 66th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Fingerville ranks 10,600 for wildfire risk (1 is highest) and 28,712 by building count (1 is largest). Within South Carolina alone, it ranks 279 of 474 places by risk. See the full county-by-county picture for South Carolina on its state page.
Fingerville and the insurance market
At the 66th percentile nationally, Fingerville carries the 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.
What would actually reduce this score
Fingerville's 93.5% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where Fingerville's figures come from
Every one of the two percentiles behind Fingerville's 10,600-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Fingerville's dominant direct exposure actually means, with real examples from across the dataset.