Lumber Bridge, NC
Lumber Bridge, NC's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Lumber Bridge at the 83rd national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 101 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Lumber Bridge's burn probability — fire likelihood with no building count factored in — sits at the 83rd percentile nationally.
What "at risk" means for the buildings here
USFS classifies 70.3% of Lumber Bridge's buildings as Direct exposure, higher than its 29.7% Indirect share and far above its 0% Minimal share — a profile where 71 structures sit close enough to vegetation that lot clearing matters most.
Where Lumber Bridge ranks
There's little gap between Lumber Bridge's 83rd national percentile and its 90th 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, Lumber Bridge ranks 5,364 for wildfire risk (1 is highest) and 29,005 by building count (1 is largest). Within North Carolina alone, it ranks 73 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 83rd percentile nationally, Lumber Bridge carries the very 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.
Lowering exposure, not just insuring around it
Lumber Bridge's 70.3% 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.
More on how this number was built
The methodology guide shows exactly how USFS turned 101 counted buildings into the percentiles shown above for Lumber Bridge. For more on what direct exposure implies beyond Lumber Bridge, see the exposure-zones guide.