Midway, NC
Midway wildfire risk explained
Out of every US place USFS scores, Midway lands at the 52nd percentile for wildfire risk to structures — modestly above the national average for wildfire risk — a figure built from its 2,727 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 Midway at the 56th percentile, close to its 52nd-percentile risk score.
Midway's building exposure, zone by zone
Direct exposure dominates in Midway: 85.7% of its 2,727 buildings, versus 12% Indirect and 2.3% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where Midway ranks
There's little gap between Midway's 52nd national percentile and its 45th 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, Midway ranks 15,007 for wildfire risk (1 is highest) and 5,887 by building count (1 is largest). Within North Carolina alone, it ranks 426 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
Midway's elevated wildfire rating (52nd percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
What would actually reduce this score
With 85.7% of Midway in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 2,727 counted buildings into the percentiles shown above for Midway. For more on what direct exposure implies beyond Midway, see the exposure-zones guide.