Chepachet, RI
Chepachet, RI's wildfire risk, in USFS's own numbers
USFS scores Chepachet at the 30th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 923 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Chepachet at the 27th percentile, close to its 30th-percentile risk score.
Chepachet's building exposure, zone by zone
USFS classifies 83.1% of Chepachet's buildings as Direct exposure, higher than its 16.9% Indirect share and far above its 0% Minimal share — a profile where 767 structures sit close enough to vegetation that lot clearing matters most.
How Chepachet compares
Compare Chepachet's two percentiles: 80th within Rhode Island, only 30th nationally — a gap of 50 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Chepachet ranks 22,042 for wildfire risk (1 is highest) and 12,533 by building count (1 is largest). Within Rhode Island alone, it ranks 8 of 36 places by risk. See the full county-by-county picture for Rhode Island on its state page.
Chepachet and the insurance market
Chepachet's moderate wildfire rating (30th 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.
Hardening a home in Chepachet
Chepachet's 83.1% 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.
Where Chepachet's figures come from
The methodology guide shows exactly how USFS turned 923 counted buildings into the percentiles shown above for Chepachet. The exposure-zones guide covers what Chepachet's dominant direct exposure actually means, with real examples from across the dataset.