Navassa, NC
Navassa wildfire risk explained
Out of every US place USFS scores, Navassa lands at the 86th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 897 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Navassa at the 83rd national percentile — 3 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Navassa's buildings actually sit
Direct exposure dominates in Navassa: 87.1% of its 897 buildings, versus 12.9% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where Navassa ranks
There's little gap between Navassa's 86th national percentile and its 96th 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, Navassa ranks 4,347 for wildfire risk (1 is highest) and 12,752 by building count (1 is largest). Within North Carolina alone, it ranks 35 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
At the 86th percentile nationally, Navassa carries the very 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.
Lowering exposure, not just insuring around it
With 87.1% of Navassa 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
Every one of the two percentiles behind Navassa's 4,347-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Navassa, see the exposure-zones guide.