Toast, NC
Toast wildfire risk explained
Toast's 987 buildings earn a 30th-percentile wildfire-risk score nationally under USFS's model — close to the middle of USFS's national wildfire-risk range. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Toast's burn probability — fire likelihood with no building count factored in — sits at the 33rd percentile nationally.
Where Toast's buildings actually sit
Direct exposure dominates in Toast: 71.9% of its 987 buildings, versus 22.2% Indirect and 5.9% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where Toast ranks
Toast ranks lower within North Carolina (3rd percentile statewide) than its 30th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Toast ranks 22,002 for wildfire risk (1 is highest) and 12,029 by building count (1 is largest). Within North Carolina alone, it ranks 752 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 30th national percentile, Toast rates moderate for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
With 71.9% of Toast 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
Toast's 30th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Toast, see the exposure-zones guide.