Love Valley, NC
Love Valley, NC's wildfire risk, in USFS's own numbers
USFS scores Love Valley at the 39th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 284 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Love Valley at the 42nd national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
USFS classifies 83.8% of Love Valley's buildings as Direct exposure, higher than its 16.2% Indirect share and far above its 0% Minimal share — a profile where 238 structures sit close enough to vegetation that lot clearing matters most.
How Love Valley compares
Inside North Carolina, Love Valley sits at just the 14th percentile even though it scores 39th 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, Love Valley ranks 19,104 for wildfire risk (1 is highest) and 22,072 by building count (1 is largest). Within North Carolina alone, it ranks 661 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 39th national percentile, Love Valley rates moderate for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Hardening a home in Love Valley
Because Direct exposure dominates in Love Valley (83.8%), 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
Love Valley's 39th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Love Valley, see the exposure-zones guide.