Falmouth, ME
How exposed is Falmouth to wildfire?
USFS's Wildfire Risk to Communities model puts Falmouth at the 12th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 883 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Falmouth's burn probability — fire likelihood with no building count factored in — sits at the 12th percentile nationally.
Where Falmouth's buildings actually sit
USFS classifies 52.8% of Falmouth's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 41.9% Direct and 5.3% Indirect — a landscape-level risk rather than a building-by-building one.
How Falmouth compares
Within Maine, Falmouth ranks higher (58th percentile) than it does nationally (12th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Falmouth ranks 27,765 for wildfire risk (1 is highest) and 12,876 by building count (1 is largest). Within Maine alone, it ranks 63 of 155 places by risk. See the full county-by-county picture for Maine on its state page.
What this risk score means for insurance
Falmouth's low wildfire rating (12th 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 Falmouth
With 52.8% of buildings rated Minimal exposure, Falmouth gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Falmouth's figures come from
Falmouth's 12th-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 Falmouth's dominant minimal exposure actually means, with real examples from across the dataset.