Murphys Estates, SC
Murphys Estates wildfire risk explained
Out of every US place USFS scores, Murphys Estates lands at the 68th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 830 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 Murphys Estates at the 68th percentile, close to its 68th-percentile risk score.
Murphys Estates's building exposure, zone by zone
68.8% of Murphys Estates's 830 buildings sit in USFS's Direct exposure zone, roughly 571 structures close enough to burnable vegetation for flame contact, not just embers — 31.2% fall in the Indirect, ember-only zone and 0% are Minimal.
How Murphys Estates compares
Inside South Carolina, Murphys Estates sits at just the 48th percentile even though it scores 68th nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Murphys Estates ranks 10,131 for wildfire risk (1 is highest) and 13,348 by building count (1 is largest). Within South Carolina alone, it ranks 246 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
At the 68th percentile nationally, Murphys Estates 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.
What would actually reduce this score
With 68.8% of Murphys Estates 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
Murphys Estates's 68th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Murphys Estates, see the exposure-zones guide.