Flat Rock (Surry), NC
Flat Rock (Surry), NC's wildfire risk, in USFS's own numbers
USFS scores Flat Rock (Surry) at the 35th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 1,203 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 Flat Rock (Surry) at the 37th percentile, close to its 35th-percentile risk score.
Flat Rock (Surry)'s building exposure, zone by zone
Direct exposure dominates in Flat Rock (Surry): 79.2% of its 1,203 buildings, versus 20.8% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
How Flat Rock (Surry) compares
Inside North Carolina, Flat Rock (Surry) sits at just the 7th percentile even though it scores 35th nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Flat Rock (Surry) ranks 20,580 for wildfire risk (1 is highest) and 10,632 by building count (1 is largest). Within North Carolina alone, it ranks 719 of 772 places by risk. See the full county-by-county picture for North Carolina on its state page.
Flat Rock (Surry) and the insurance market
Flat Rock (Surry)'s moderate wildfire rating (35th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Hardening a home in Flat Rock (Surry)
Flat Rock (Surry)'s 79.2% 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 Flat Rock (Surry)'s figures come from
Flat Rock (Surry)'s 35th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Flat Rock (Surry)'s dominant direct exposure actually means, with real examples from across the dataset.