Flat Rock (Henderson), NC
Flat Rock (Henderson) wildfire risk explained
Flat Rock (Henderson)'s 2,212 buildings earn a 53rd-percentile wildfire-risk score nationally under USFS's model — modestly above the national average for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Flat Rock (Henderson) at the 56th percentile, close to its 53rd-percentile risk score.
Where Flat Rock (Henderson)'s buildings actually sit
USFS classifies 88.9% of Flat Rock (Henderson)'s buildings as Direct exposure, higher than its 11.1% Indirect share and far above its 0% Minimal share — a profile where 1,967 structures sit close enough to vegetation that lot clearing matters most.
Where Flat Rock (Henderson) ranks
There's little gap between Flat Rock (Henderson)'s 53rd national percentile and its 46th percentile inside North Carolina, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Flat Rock (Henderson) ranks 14,912 for wildfire risk (1 is highest) and 6,906 by building count (1 is largest). Within North Carolina alone, it ranks 418 of 772 places by risk. See the full county-by-county picture for North Carolina on its state page.
Shopping for coverage in Flat Rock (Henderson)
At the 53rd national percentile, Flat Rock (Henderson) rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Flat Rock (Henderson) (88.9%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Flat Rock (Henderson)'s figures come from
Every one of the two percentiles behind Flat Rock (Henderson)'s 14,912-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Flat Rock (Henderson)'s dominant direct exposure actually means, with real examples from across the dataset.