Derry, NH
Derry wildfire risk explained
Derry sits at the 30th percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 6,759 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 Derry at the 26th percentile, close to its 30th-percentile risk score.
Derry's building exposure, zone by zone
USFS classifies 38.1% of Derry's buildings as Direct exposure, higher than its 37.9% Indirect share and far above its 24% Minimal share — a profile where 2,572 structures sit close enough to vegetation that lot clearing matters most. At 6,759 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How Derry compares
Compare Derry's two percentiles: 96th within New Hampshire, only 30th nationally — a gap of 66 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Derry ranks 21,933 for wildfire risk (1 is highest) and 2,560 by building count (1 is largest). Within New Hampshire alone, it ranks 5 of 100 places by risk. See the full county-by-county picture for New Hampshire on its state page.
What this risk score means for insurance
Derry's moderate rating (30th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Derry
Derry's 38.1% 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.
More on how this number was built
The methodology guide shows exactly how USFS turned 6,759 counted buildings into the percentiles shown above for Derry. For more on what direct exposure implies beyond Derry, see the exposure-zones guide.