Ruby, SC
Ruby wildfire risk explained
USFS scores Ruby at the 65th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 325 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Ruby's burn probability — fire likelihood with no building count factored in — sits at the 67th percentile nationally.
Where Ruby's buildings actually sit
Of Ruby's 325 counted buildings, 81.9% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
How Ruby compares
Inside South Carolina, Ruby sits at just the 36th percentile even though it scores 65th 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, Ruby ranks 11,036 for wildfire risk (1 is highest) and 20,972 by building count (1 is largest). Within South Carolina alone, it ranks 307 of 474 places by risk. See the full county-by-county picture for South Carolina on its state page.
Ruby and the insurance market
Ruby's high rating (65th 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 81.9% of Ruby 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.
Where Ruby's figures come from
Ruby's 65th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Ruby's dominant direct exposure actually means, with real examples from across the dataset.