South Henderson, NC
South Henderson, NC's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts South Henderson at the 31st national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 650 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, South Henderson's burn probability — fire likelihood with no building count factored in — sits at the 32nd percentile nationally.
South Henderson's building exposure, zone by zone
Direct exposure dominates in South Henderson: 51.5% of its 650 buildings, versus 48.5% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
How South Henderson compares
South Henderson ranks lower within North Carolina (3rd percentile statewide) than its 31st national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, South Henderson ranks 21,845 for wildfire risk (1 is highest) and 15,203 by building count (1 is largest). Within North Carolina alone, it ranks 748 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
At the 31st national percentile, South Henderson rates moderate for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Hardening a home in South Henderson
South Henderson's 51.5% 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 South Henderson's figures come from
The methodology guide shows exactly how USFS turned 650 counted buildings into the percentiles shown above for South Henderson. The exposure-zones guide covers what South Henderson's dominant direct exposure actually means, with real examples from across the dataset.