Long Creek, NC
How exposed is Long Creek to wildfire?
Long Creek's 206 buildings earn a 82nd-percentile wildfire-risk score nationally under USFS's model — in USFS's highest wildfire-risk band nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Long Creek at the 82nd percentile, close to its 82nd-percentile risk score.
Long Creek's building exposure, zone by zone
Of Long Creek's 206 counted buildings, 100% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
How Long Creek compares
There's little gap between Long Creek's 82nd national percentile and its 89th 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, Long Creek ranks 5,616 for wildfire risk (1 is highest) and 24,648 by building count (1 is largest). Within North Carolina alone, it ranks 85 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
Long Creek's 82nd-percentile, very high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Long Creek (100%), 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
The methodology guide shows exactly how USFS turned 206 counted buildings into the percentiles shown above for Long Creek. For more on what direct exposure implies beyond Long Creek, see the exposure-zones guide.