Grandy, NC
Grandy, NC's wildfire risk, in USFS's own numbers
Grandy's 1,843 buildings earn a 85th-percentile wildfire-risk score nationally under USFS's model — in USFS's highest wildfire-risk band nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Grandy's burn probability — fire likelihood with no building count factored in — sits at the 80th percentile nationally.
What "at risk" means for the buildings here
Direct exposure dominates in Grandy: 67.3% of its 1,843 buildings, versus 31.9% Indirect and 0.9% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
How Grandy compares
There's little gap between Grandy's 85th national percentile and its 94th 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, Grandy ranks 4,707 for wildfire risk (1 is highest) and 7,936 by building count (1 is largest). Within North Carolina alone, it ranks 51 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 85th percentile nationally, Grandy carries the very high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Lowering exposure, not just insuring around it
Grandy's 67.3% 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 Grandy's figures come from
Grandy's 85th-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 Grandy's dominant direct exposure actually means, with real examples from across the dataset.