Danby, VT
Danby wildfire risk explained
USFS scores Danby at the 19th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 220 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 Danby at the 19th percentile, close to its 19th-percentile risk score.
Danby's building exposure, zone by zone
Direct exposure dominates in Danby: 80.9% of its 220 buildings, versus 19.1% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where Danby ranks
Within Vermont, Danby ranks higher (87th percentile) than it does nationally (19th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Danby ranks 25,509 for wildfire risk (1 is highest) and 24,141 by building count (1 is largest). Within Vermont alone, it ranks 24 of 179 places by risk. See the full county-by-county picture for Vermont on its state page.
What this risk score means for insurance
Danby'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.
Lowering exposure, not just insuring around it
Danby's 80.9% 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.
More on how this number was built
Every one of the two percentiles behind Danby's 25,509-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Danby, see the exposure-zones guide.