Seaboard, NC
Seaboard, NC's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Seaboard lands at the 44th percentile for wildfire risk to structures — modestly above the national average for wildfire risk — a figure built from its 460 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Seaboard at the 43rd national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Seaboard's buildings actually sit
70.9% of Seaboard's 460 buildings sit in USFS's Direct exposure zone, roughly 326 structures close enough to burnable vegetation for flame contact, not just embers — 29.1% fall in the Indirect, ember-only zone and 0% are Minimal.
Where Seaboard ranks
Seaboard ranks lower within North Carolina (22nd percentile statewide) than its 44th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Seaboard ranks 17,808 for wildfire risk (1 is highest) and 18,062 by building count (1 is largest). Within North Carolina alone, it ranks 601 of 772 places by risk. See the full county-by-county picture for North Carolina on its state page.
Shopping for coverage in Seaboard
Seaboard's elevated rating (44th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Seaboard
Because Direct exposure dominates in Seaboard (70.9%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Seaboard's figures come from
Seaboard's 44th-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 Seaboard's dominant direct exposure actually means, with real examples from across the dataset.