Icard, NC
How exposed is Icard to wildfire?
Icard sits at the 46th percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 1,681 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 Icard at the 49th percentile, close to its 46th-percentile risk score.
What "at risk" means for the buildings here
Direct exposure dominates in Icard: 78.2% of its 1,681 buildings, versus 21.8% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
How Icard compares
Inside North Carolina, Icard sits at just the 29th percentile even though it scores 46th nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Icard ranks 16,992 for wildfire risk (1 is highest) and 8,491 by building count (1 is largest). Within North Carolina alone, it ranks 546 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
Icard's elevated wildfire rating (46th 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.
Lowering exposure, not just insuring around it
With 78.2% of Icard 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 Icard's figures come from
Icard's 46th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Icard's dominant direct exposure actually means, with real examples from across the dataset.