Rock Hill, SC
Rock Hill, SC's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Rock Hill at the 56th national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 24,028 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 Rock Hill at the 60th percentile, close to its 56th-percentile risk score.
What "at risk" means for the buildings here
Most of Rock Hill's buildings (44.9%) sit in the Indirect zone, where wind-blown embers rather than flame front are the mechanism USFS is scoring — ember-resistant vents and non-combustible roofing are the interventions this pattern favors, more than defensible space alone. At 24,028 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Rock Hill against the rest of the country
Inside South Carolina, Rock Hill sits at just the 11th percentile even though it scores 56th nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Rock Hill ranks 13,880 for wildfire risk (1 is highest) and 534 by building count (1 is largest). Within South Carolina alone, it ranks 423 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
Rock Hill's elevated wildfire rating (56th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
What would actually reduce this score
With ember exposure the dominant pattern in Rock Hill (44.9% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Rock Hill's figures come from
Every one of the two percentiles behind Rock Hill's 13,880-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Rock Hill's dominant indirect exposure actually means, with real examples from across the dataset.