Wagram, NC
Wagram wildfire risk explained
USFS's Wildfire Risk to Communities model puts Wagram at the 86th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 483 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Wagram at the 88th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
74.7% of Wagram's 483 buildings sit in USFS's Direct exposure zone, roughly 361 structures close enough to burnable vegetation for flame contact, not just embers — 25.3% fall in the Indirect, ember-only zone and 0% are Minimal.
Wagram against the rest of the country
Wagram's risk sits at a similar level relative to North Carolina (95th percentile statewide) as it does nationally (86th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Wagram ranks 4,418 for wildfire risk (1 is highest) and 17,650 by building count (1 is largest). Within North Carolina alone, it ranks 43 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 86th percentile nationally, Wagram carries the very high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Lowering exposure, not just insuring around it
With 74.7% of Wagram 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 Wagram's figures come from
Every one of the two percentiles behind Wagram's 4,418-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Wagram's dominant direct exposure actually means, with real examples from across the dataset.