Germanton, NC
Germanton wildfire risk explained
Germanton's 639 buildings earn a 28th-percentile wildfire-risk score nationally under USFS's model — close to the middle of USFS's national wildfire-risk range. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Germanton at the 30th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Germanton's buildings actually sit
639 buildings are counted in Germanton, and 98.4% 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 Germanton compares
Germanton ranks lower within North Carolina (2nd percentile statewide) than its 28th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Germanton ranks 22,543 for wildfire risk (1 is highest) and 15,345 by building count (1 is largest). Within North Carolina alone, it ranks 758 of 772 places by risk. See the full county-by-county picture for North Carolina on its state page.
What this risk score means for insurance
At the 28th national percentile, Germanton rates moderate 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
Germanton's 98.4% 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 Germanton's figures come from
The methodology guide shows exactly how USFS turned 639 counted buildings into the percentiles shown above for Germanton. The exposure-zones guide covers what Germanton's dominant direct exposure actually means, with real examples from across the dataset.