Norman, NC
Norman, NC's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Norman lands at the 77th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 145 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Norman's burn probability — fire likelihood with no building count factored in — sits at the 78th percentile nationally.
Norman's building exposure, zone by zone
71.7% of Norman's 145 buildings sit in USFS's Direct exposure zone, roughly 104 structures close enough to burnable vegetation for flame contact, not just embers — 28.3% fall in the Indirect, ember-only zone and 0% are Minimal.
Where Norman ranks
Norman's risk sits at a similar level relative to North Carolina (79th percentile statewide) as it does nationally (77th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Norman ranks 7,350 for wildfire risk (1 is highest) and 27,093 by building count (1 is largest). Within North Carolina alone, it ranks 164 of 772 places by risk. See the full county-by-county picture for North Carolina on its state page.
Norman and the insurance market
Norman's high rating (77th 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.
Hardening a home in Norman
Because Direct exposure dominates in Norman (71.7%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Norman's figures come from
Norman's 77th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Norman's dominant direct exposure actually means, with real examples from across the dataset.