Stedman, NC
How exposed is Stedman to wildfire?
Stedman's 721 buildings earn a 71st-percentile wildfire-risk score nationally under USFS's model — well above the national norm for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Stedman's burn probability — fire likelihood with no building count factored in — sits at the 69th percentile nationally.
Where Stedman's buildings actually sit
721 buildings are counted in Stedman, and 64.4% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
How Stedman compares
There's little gap between Stedman's 71st national percentile and its 71st 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, Stedman ranks 9,239 for wildfire risk (1 is highest) and 14,442 by building count (1 is largest). Within North Carolina alone, it ranks 226 of 772 places by risk. See the full county-by-county picture for North Carolina on its state page.
Shopping for coverage in Stedman
Stedman's 71st-percentile, 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 Stedman
With 64.4% of Stedman 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.
More on how this number was built
The methodology guide shows exactly how USFS turned 721 counted buildings into the percentiles shown above for Stedman. For more on what direct exposure implies beyond Stedman, see the exposure-zones guide.