Stovall, NC
How exposed is Stovall to wildfire?
Stovall sits at the 43rd percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 312 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Stovall at the 44th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Stovall's buildings actually sit
USFS classifies 92% of Stovall's buildings as Direct exposure, higher than its 8% Indirect share and far above its 0% Minimal share — a profile where 287 structures sit close enough to vegetation that lot clearing matters most.
How Stovall compares
Stovall ranks lower within North Carolina (21st percentile statewide) than its 43rd national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Stovall ranks 18,065 for wildfire risk (1 is highest) and 21,326 by building count (1 is largest). Within North Carolina alone, it ranks 612 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
Stovall's elevated wildfire rating (43rd percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
What would actually reduce this score
Stovall's 92% 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.
More on how this number was built
Every one of the two percentiles behind Stovall's 18,065-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Stovall, see the exposure-zones guide.