Rocky Point, NC
Rocky Point, NC's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Rocky Point lands at the 84th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 885 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Rocky Point's burn probability — fire likelihood with no building count factored in — sits at the 82nd percentile nationally.
Rocky Point's building exposure, zone by zone
USFS classifies 89.6% of Rocky Point's buildings as Direct exposure, higher than its 10.4% Indirect share and far above its 0% Minimal share — a profile where 793 structures sit close enough to vegetation that lot clearing matters most.
Where Rocky Point ranks
There's little gap between Rocky Point's 84th national percentile and its 93rd 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, Rocky Point ranks 5,046 for wildfire risk (1 is highest) and 12,865 by building count (1 is largest). Within North Carolina alone, it ranks 57 of 772 places by risk. See the full county-by-county picture for North Carolina on its state page.
What this risk score means for insurance
Rocky Point's 84th-percentile, very high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Hardening a home in Rocky Point
Rocky Point's 89.6% 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.
Where Rocky Point's figures come from
Every one of the two percentiles behind Rocky Point's 5,046-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Rocky Point's dominant direct exposure actually means, with real examples from across the dataset.