Troy, NC
Troy, NC's wildfire risk, in USFS's own numbers
Troy sits at the 55th 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 1,578 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Troy's burn probability — fire likelihood with no building count factored in — sits at the 57th percentile nationally.
Troy's building exposure, zone by zone
1,578 buildings are counted in Troy, and 54.6% 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.
Where Troy ranks
Troy's risk sits at a similar level relative to North Carolina (51st percentile statewide) as it does nationally (55th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Troy ranks 14,341 for wildfire risk (1 is highest) and 8,842 by building count (1 is largest). Within North Carolina alone, it ranks 383 of 772 places by risk. See the full county-by-county picture for North Carolina on its state page.
Shopping for coverage in Troy
Troy's elevated rating (55th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
With 54.6% of Troy 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.
Where Troy's figures come from
Every one of the two percentiles behind Troy's 14,341-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Troy's dominant direct exposure actually means, with real examples from across the dataset.