Morven, NC
Morven wildfire risk explained
USFS's Wildfire Risk to Communities model puts Morven at the 74th national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 393 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 Morven at the 75th percentile, close to its 74th-percentile risk score.
What "at risk" means for the buildings here
72.5% of Morven's 393 buildings sit in USFS's Direct exposure zone, roughly 285 structures close enough to burnable vegetation for flame contact, not just embers — 27.5% fall in the Indirect, ember-only zone and 0% are Minimal.
Morven against the rest of the country
Morven scores 74th nationally and 75th within North 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, Morven ranks 8,362 for wildfire risk (1 is highest) and 19,352 by building count (1 is largest). Within North Carolina alone, it ranks 196 of 772 places by risk. See the full county-by-county picture for North Carolina on its state page.
Morven and the insurance market
At the 74th percentile nationally, Morven 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.
Hardening a home in Morven
Because Direct exposure dominates in Morven (72.5%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Morven's figures come from
Every one of the two percentiles behind Morven's 8,362-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Morven's dominant direct exposure actually means, with real examples from across the dataset.