Five Points, NC
Five Points, NC's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Five Points at the 88th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 638 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Five Points's burn probability — fire likelihood with no building count factored in — sits at the 89th percentile nationally.
Five Points's building exposure, zone by zone
100% of Five Points's 638 buildings sit in USFS's Direct exposure zone, roughly 638 structures close enough to burnable vegetation for flame contact, not just embers — 0% fall in the Indirect, ember-only zone and 0% are Minimal.
How Five Points compares
Five Points'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, Five Points ranks 3,791 for wildfire risk (1 is highest) and 15,366 by building count (1 is largest). Within North Carolina alone, it ranks 24 of 772 places by risk. See the full county-by-county picture for North Carolina on its state page.
Five Points and the insurance market
Five Points'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.
What would actually reduce this score
With 100% of Five Points 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.
More on how this number was built
The methodology guide shows exactly how USFS turned 638 counted buildings into the percentiles shown above for Five Points. For more on what direct exposure implies beyond Five Points, see the exposure-zones guide.