Grover, NC
How exposed is Grover to wildfire?
Grover sits at the 59th 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 440 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Grover at the 63rd national percentile — 3 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Grover's buildings actually sit
63.6% of Grover's 440 buildings sit in USFS's Direct exposure zone, roughly 280 structures close enough to burnable vegetation for flame contact, not just embers — 36.4% fall in the Indirect, ember-only zone and 0% are Minimal.
Grover against the rest of the country
Grover's risk sits at a similar level relative to North Carolina (58th percentile statewide) as it does nationally (59th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Grover ranks 12,834 for wildfire risk (1 is highest) and 18,464 by building count (1 is largest). Within North Carolina alone, it ranks 324 of 772 places by risk. See the full county-by-county picture for North Carolina on its state page.
Shopping for coverage in Grover
Grover's elevated wildfire rating (59th 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.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Grover (63.6%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 440 counted buildings into the percentiles shown above for Grover. For more on what direct exposure implies beyond Grover, see the exposure-zones guide.