Fenwick, CT
Fenwick wildfire risk explained
Out of every US place USFS scores, Fenwick lands at the 18th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 108 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Fenwick at the 15th percentile, close to its 18th-percentile risk score.
What "at risk" means for the buildings here
USFS classifies 64.8% of Fenwick's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 35.2% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Fenwick against the rest of the country
Fenwick scores 18th nationally and 6th within Connecticut — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Fenwick ranks 25,864 for wildfire risk (1 is highest) and 28,683 by building count (1 is largest). Within Connecticut alone, it ranks 202 of 214 places by risk. See the full county-by-county picture for Connecticut on its state page.
What this risk score means for insurance
Fenwick's low wildfire rating (18th 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
Even with 64.8% of Fenwick outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where Fenwick's figures come from
Every one of the two percentiles behind Fenwick's 25,864-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Fenwick's dominant minimal exposure actually means, with real examples from across the dataset.