Four Oaks, NC
Four Oaks, NC's wildfire risk, in USFS's own numbers
Four Oaks sits at the 51st percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 1,260 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Four Oaks at the 51st percentile, close to its 51st-percentile risk score.
Four Oaks's building exposure, zone by zone
USFS puts 56% of Four Oaks's 1,260 buildings in the Indirect exposure zone, versus 43.9% Direct and 0.2% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Four Oaks against the rest of the country
Four Oaks scores 51st nationally and 42nd 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, Four Oaks ranks 15,323 for wildfire risk (1 is highest) and 10,300 by building count (1 is largest). Within North Carolina alone, it ranks 452 of 772 places by risk. See the full county-by-county picture for North Carolina on its state page.
Four Oaks and the insurance market
Four Oaks's elevated wildfire rating (51st 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 Four Oaks
Four Oaks's 56% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
Where Four Oaks's figures come from
Four Oaks's 51st-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 Four Oaks's dominant indirect exposure actually means, with real examples from across the dataset.