Privateer, SC
Privateer wildfire risk explained
USFS's Wildfire Risk to Communities model puts Privateer at the 80th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 1,377 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Privateer's burn probability — fire likelihood with no building count factored in — sits at the 80th percentile nationally.
Privateer's building exposure, zone by zone
97.8% of Privateer's 1,377 buildings sit in USFS's Direct exposure zone, roughly 1,346 structures close enough to burnable vegetation for flame contact, not just embers — 2.3% fall in the Indirect, ember-only zone and 0% are Minimal.
Where Privateer ranks
Privateer's risk sits at a similar level relative to South Carolina (86th percentile statewide) as it does nationally (80th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Privateer ranks 6,187 for wildfire risk (1 is highest) and 9,725 by building count (1 is largest). Within South Carolina alone, it ranks 69 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
Privateer's very high rating (80th 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 Privateer
Privateer's 97.8% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
The methodology guide shows exactly how USFS turned 1,377 counted buildings into the percentiles shown above for Privateer. For more on what direct exposure implies beyond Privateer, see the exposure-zones guide.