Harrellsville, NC
How exposed is Harrellsville to wildfire?
Out of every US place USFS scores, Harrellsville lands at the 48th percentile for wildfire risk to structures — modestly above the national average for wildfire risk — a figure built from its 120 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Harrellsville at the 49th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Harrellsville's buildings actually sit
90% of Harrellsville's 120 buildings sit in USFS's Direct exposure zone, roughly 108 structures close enough to burnable vegetation for flame contact, not just embers — 10% fall in the Indirect, ember-only zone and 0% are Minimal.
How Harrellsville compares
Harrellsville scores 48th nationally and 34th within North Carolina — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Harrellsville ranks 16,334 for wildfire risk (1 is highest) and 28,157 by building count (1 is largest). Within North Carolina alone, it ranks 514 of 772 places by risk. See the full county-by-county picture for North Carolina on its state page.
Harrellsville and the insurance market
Harrellsville's elevated wildfire rating (48th 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.
Hardening a home in Harrellsville
Harrellsville's 90% 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.
More on how this number was built
Every one of the two percentiles behind Harrellsville's 16,334-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Harrellsville, see the exposure-zones guide.