Lynchburg, SC
Lynchburg, SC's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Lynchburg at the 78th national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 320 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Lynchburg at the 77th percentile, close to its 78th-percentile risk score.
Lynchburg's building exposure, zone by zone
Direct exposure dominates in Lynchburg: 55.3% of its 320 buildings, versus 44.7% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Lynchburg against the rest of the country
Lynchburg scores 78th nationally and 79th within South Carolina — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Lynchburg ranks 6,976 for wildfire risk (1 is highest) and 21,100 by building count (1 is largest). Within South Carolina alone, it ranks 101 of 474 places by risk. See the full county-by-county picture for South Carolina on its state page.
What this risk score means for insurance
Lynchburg's high rating (78th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Lynchburg (55.3%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Lynchburg's figures come from
Lynchburg's 78th-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 Lynchburg's dominant direct exposure actually means, with real examples from across the dataset.