White Plains, NC
White Plains wildfire risk explained
USFS's Wildfire Risk to Communities model puts White Plains at the 36th national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 835 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks White Plains at the 38th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
White Plains's building exposure, zone by zone
USFS classifies 95.6% of White Plains's buildings as Direct exposure, higher than its 4.4% Indirect share and far above its 0% Minimal share — a profile where 798 structures sit close enough to vegetation that lot clearing matters most.
White Plains against the rest of the country
White Plains's 36th national percentile looks worse in isolation than its 9th ranking inside North Carolina does — this place is on the milder end for its own state, by 28 points. Among the 31,521 US communities USFS scores, White Plains ranks 20,142 for wildfire risk (1 is highest) and 13,304 by building count (1 is largest). Within North Carolina alone, it ranks 706 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
White Plains's moderate rating (36th 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 95.6% of White Plains 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
Every one of the two percentiles behind White Plains's 20,142-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond White Plains, see the exposure-zones guide.