Hoopers Creek, NC
How exposed is Hoopers Creek to wildfire?
Hoopers Creek's 749 buildings earn a 65th-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 Hoopers Creek at the 68th national percentile — 3 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Hoopers Creek's buildings actually sit
749 buildings are counted in Hoopers Creek, and 97.3% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
Where Hoopers Creek ranks
Hoopers Creek's risk sits at a similar level relative to North Carolina (65th percentile statewide) as it does nationally (65th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Hoopers Creek ranks 11,099 for wildfire risk (1 is highest) and 14,133 by building count (1 is largest). Within North Carolina alone, it ranks 275 of 772 places by risk. See the full county-by-county picture for North Carolina on its state page.
Hoopers Creek and the insurance market
At the 65th percentile nationally, Hoopers Creek carries the high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
What would actually reduce this score
Because Direct exposure dominates in Hoopers Creek (97.3%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Hoopers Creek's 11,099-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Hoopers Creek, see the exposure-zones guide.