Prospect, NC
Prospect wildfire risk explained
USFS's Wildfire Risk to Communities model puts Prospect at the 77th national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 642 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Prospect at the 76th percentile, close to its 77th-percentile risk score.
Where Prospect's buildings actually sit
642 buildings are counted in Prospect, and 69.8% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 21.5% rated Minimal.
How Prospect compares
There's little gap between Prospect's 77th national percentile and its 80th 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, Prospect ranks 7,190 for wildfire risk (1 is highest) and 15,300 by building count (1 is largest). Within North Carolina alone, it ranks 160 of 772 places by risk. See the full county-by-county picture for North Carolina on its state page.
Shopping for coverage in Prospect
Prospect'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.
Lowering exposure, not just insuring around it
With 69.8% of Prospect 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
Prospect's 77th-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 Prospect, see the exposure-zones guide.