Concord, NH
Concord wildfire risk explained
Concord sits at the 19th percentile nationally for wildfire risk to structures — among the lower wildfire-risk places nationally — per USFS's Wildfire Risk to Communities model, built from its 14,528 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Concord at the 18th percentile, close to its 19th-percentile risk score.
Concord's building exposure, zone by zone
USFS puts 56.4% of Concord's 14,528 buildings in the Indirect exposure zone, versus 29.2% Direct and 14.4% Minimal — a place where the fire doesn't need to reach the structure directly for embers to. At 14,528 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Concord against the rest of the country
Compare Concord's two percentiles: 61st within New Hampshire, only 19th nationally — a gap of 41 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Concord ranks 25,469 for wildfire risk (1 is highest) and 1,033 by building count (1 is largest). Within New Hampshire alone, it ranks 40 of 100 places by risk. See the full county-by-county picture for New Hampshire on its state page.
Concord and the insurance market
Concord's low wildfire rating (19th 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 Concord
Concord's 56.4% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
Where Concord's figures come from
Concord's 19th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Concord's dominant indirect exposure actually means, with real examples from across the dataset.