Derby Line, VT
Derby Line, VT's wildfire risk, in USFS's own numbers
USFS scores Derby Line at the 12th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 401 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 Derby Line at the 13th percentile, close to its 12th-percentile risk score.
Where Derby Line's buildings actually sit
Indirect exposure is dominant in Derby Line (56.9% of 401 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 43.1% sit in the Direct zone.
Derby Line against the rest of the country
There's little gap between Derby Line's 12th national percentile and its 15th percentile inside Vermont, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Derby Line ranks 27,621 for wildfire risk (1 is highest) and 19,198 by building count (1 is largest). Within Vermont alone, it ranks 152 of 179 places by risk. See the full county-by-county picture for Vermont on its state page.
Shopping for coverage in Derby Line
Derby Line's low rating (12th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Because 56.9% of Derby Line's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Derby Line's 27,621-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Derby Line, see the exposure-zones guide.