James City, NC
James City, NC's wildfire risk, in USFS's own numbers
USFS scores James City at the 63rd national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 3,614 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, James City's burn probability — fire likelihood with no building count factored in — sits at the 59th percentile nationally.
Where James City's buildings actually sit
USFS classifies 62.4% of James City's buildings as Direct exposure, higher than its 32.3% Indirect share and far above its 5.3% Minimal share — a profile where 2,255 structures sit close enough to vegetation that lot clearing matters most.
James City against the rest of the country
There's little gap between James City's 63rd national percentile and its 61st 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, James City ranks 11,796 for wildfire risk (1 is highest) and 4,638 by building count (1 is largest). Within North Carolina alone, it ranks 300 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
At the 63rd percentile nationally, James City 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.
Hardening a home in James City
James City's 62.4% 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 James City's figures come from
James City's 63rd-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 James City's dominant direct exposure actually means, with real examples from across the dataset.