Pembroke, NC
Pembroke wildfire risk explained
USFS's Wildfire Risk to Communities model puts Pembroke at the 78th national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 1,250 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Pembroke's burn probability — fire likelihood with no building count factored in — sits at the 78th percentile nationally.
Pembroke's building exposure, zone by zone
1,250 buildings are counted in Pembroke, and 47.2% of them are Indirect exposure — ember-driven risk rather than the 42.2% in Direct exposure or the 10.6% rated Minimal.
How Pembroke compares
Pembroke scores 78th nationally and 80th 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, Pembroke ranks 6,973 for wildfire risk (1 is highest) and 10,352 by building count (1 is largest). Within North Carolina alone, it ranks 152 of 772 places by risk. See the full county-by-county picture for North Carolina on its state page.
Shopping for coverage in Pembroke
Pembroke's high rating (78th 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.
What would actually reduce this score
Pembroke's 47.2% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 1,250 counted buildings into the percentiles shown above for Pembroke. For more on what indirect exposure implies beyond Pembroke, see the exposure-zones guide.