Harmony, NC
Harmony wildfire risk explained
Out of every US place USFS scores, Harmony lands at the 28th percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 396 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Harmony at the 30th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Harmony's buildings actually sit
USFS classifies 85.6% of Harmony's buildings as Direct exposure, higher than its 14.4% Indirect share and far above its 0% Minimal share — a profile where 339 structures sit close enough to vegetation that lot clearing matters most.
Where Harmony ranks
Harmony's 28th national percentile looks worse in isolation than its 2nd ranking inside North Carolina does — this place is on the milder end for its own state, by 26 points. Among the 31,521 US communities USFS scores, Harmony ranks 22,857 for wildfire risk (1 is highest) and 19,306 by building count (1 is largest). Within North Carolina alone, it ranks 760 of 772 places by risk. See the full county-by-county picture for North Carolina on its state page.
Harmony and the insurance market
At the 28th national percentile, Harmony 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
Harmony's 85.6% 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 Harmony's figures come from
The methodology guide shows exactly how USFS turned 396 counted buildings into the percentiles shown above for Harmony. The exposure-zones guide covers what Harmony's dominant direct exposure actually means, with real examples from across the dataset.