Havelock, NC
Havelock wildfire risk explained
Havelock sits at the 84th percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 6,786 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Havelock at the 81st percentile, close to its 84th-percentile risk score.
What "at risk" means for the buildings here
6,786 buildings are counted in Havelock, and 64.8% of them are Indirect exposure — ember-driven risk rather than the 35.1% in Direct exposure or the 0.2% rated Minimal. At 6,786 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Havelock ranks
There's little gap between Havelock's 84th national percentile and its 92nd 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, Havelock ranks 5,172 for wildfire risk (1 is highest) and 2,548 by building count (1 is largest). Within North Carolina alone, it ranks 63 of 772 places by risk. See the full county-by-county picture for North Carolina on its state page.
Shopping for coverage in Havelock
Havelock's 84th-percentile, very high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Lowering exposure, not just insuring around it
Havelock's 64.8% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Havelock's 5,172-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Havelock, see the exposure-zones guide.