JAARS, NC
JAARS, NC's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, JAARS lands at the 64th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 202 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, JAARS's burn probability — fire likelihood with no building count factored in — sits at the 67th percentile nationally.
Where JAARS's buildings actually sit
USFS classifies 94.1% of JAARS's buildings as Direct exposure, higher than its 5.9% Indirect share and far above its 0% Minimal share — a profile where 190 structures sit close enough to vegetation that lot clearing matters most.
JAARS against the rest of the country
JAARS scores 64th nationally and 64th 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, JAARS ranks 11,253 for wildfire risk (1 is highest) and 24,775 by building count (1 is largest). Within North Carolina alone, it ranks 281 of 772 places by risk. See the full county-by-county picture for North Carolina on its state page.
Shopping for coverage in JAARS
JAARS's high rating (64th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Lowering exposure, not just insuring around it
JAARS's 94.1% 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.
Where JAARS's figures come from
JAARS's 64th-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 JAARS's dominant direct exposure actually means, with real examples from across the dataset.