Harrells, NC
How exposed is Harrells to wildfire?
Harrells's 227 buildings earn a 68th-percentile wildfire-risk score nationally under USFS's model — well above the national norm for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Harrells at the 67th national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
Harrells's building exposure, zone by zone
USFS classifies 75.8% of Harrells's buildings as Direct exposure, higher than its 24.2% Indirect share and far above its 0% Minimal share — a profile where 172 structures sit close enough to vegetation that lot clearing matters most.
How Harrells compares
Harrells's risk sits at a similar level relative to North Carolina (68th percentile statewide) as it does nationally (68th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Harrells ranks 10,027 for wildfire risk (1 is highest) and 23,892 by building count (1 is largest). Within North Carolina alone, it ranks 251 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
Harrells's high rating (68th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Hardening a home in Harrells
With 75.8% of Harrells in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Harrells's figures come from
Every one of the two percentiles behind Harrells's 10,027-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Harrells's dominant direct exposure actually means, with real examples from across the dataset.