Lumberton, NC
Lumberton wildfire risk explained
Out of every US place USFS scores, Lumberton lands at the 79th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 9,788 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Lumberton at the 79th percentile, close to its 79th-percentile risk score.
Where Lumberton's buildings actually sit
Indirect exposure is dominant in Lumberton (56.8% of 9,788 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 21.5% sit in the Direct zone. At 9,788 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How Lumberton compares
Lumberton's risk sits at a similar level relative to North Carolina (84th percentile statewide) as it does nationally (79th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Lumberton ranks 6,625 for wildfire risk (1 is highest) and 1,667 by building count (1 is largest). Within North Carolina alone, it ranks 127 of 772 places by risk. See the full county-by-county picture for North Carolina on its state page.
Shopping for coverage in Lumberton
At the 79th percentile nationally, Lumberton 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.
Lowering exposure, not just insuring around it
With ember exposure the dominant pattern in Lumberton (56.8% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Lumberton's figures come from
The methodology guide shows exactly how USFS turned 9,788 counted buildings into the percentiles shown above for Lumberton. The exposure-zones guide covers what Lumberton's dominant indirect exposure actually means, with real examples from across the dataset.