Hertford, NC
Hertford wildfire risk explained
USFS's Wildfire Risk to Communities model puts Hertford at the 46th national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 1,228 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Hertford at the 43rd percentile, close to its 46th-percentile risk score.
Hertford's building exposure, zone by zone
USFS puts 62.2% of Hertford's 1,228 buildings in the Indirect exposure zone, versus 35.8% Direct and 2% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Where Hertford ranks
Hertford's 46th national percentile looks worse in isolation than its 28th ranking inside North Carolina does — this place is on the milder end for its own state, by 18 points. Among the 31,521 US communities USFS scores, Hertford ranks 17,090 for wildfire risk (1 is highest) and 10,485 by building count (1 is largest). Within North Carolina alone, it ranks 556 of 772 places by risk. See the full county-by-county picture for North Carolina on its state page.
Shopping for coverage in Hertford
Hertford's elevated rating (46th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Because 62.2% of Hertford's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
More on how this number was built
Hertford's 46th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Hertford, see the exposure-zones guide.