McClellanville, SC
McClellanville wildfire risk explained
USFS's Wildfire Risk to Communities model puts McClellanville at the 98th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 480 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, McClellanville's burn probability — fire likelihood with no building count factored in — sits at the 97th percentile nationally.
Where McClellanville's buildings actually sit
98.8% of McClellanville's 480 buildings sit in USFS's Direct exposure zone, roughly 474 structures close enough to burnable vegetation for flame contact, not just embers — 0.4% fall in the Indirect, ember-only zone and 0.8% are Minimal.
McClellanville against the rest of the country
There's little gap between McClellanville's 98th national percentile and its 100th percentile inside South Carolina, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, McClellanville ranks 519 for wildfire risk (1 is highest) and 17,715 by building count (1 is largest). Within South Carolina alone, it ranks 1 of 474 places by risk. See the full county-by-county picture for South Carolina on its state page.
Shopping for coverage in McClellanville
McClellanville's very high rating (98th 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
McClellanville's 98.8% 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 480 counted buildings into the percentiles shown above for McClellanville. For more on what direct exposure implies beyond McClellanville, see the exposure-zones guide.