Gilman, VT
Gilman, VT's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Gilman at the 14th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 199 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Gilman at the 14th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Gilman's building exposure, zone by zone
62.8% of Gilman's 199 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 37.2% Direct and 0% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
Gilman against the rest of the country
Within Vermont, Gilman ranks higher (30th percentile) than it does nationally (14th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Gilman ranks 27,119 for wildfire risk (1 is highest) and 24,907 by building count (1 is largest). Within Vermont alone, it ranks 126 of 179 places by risk. See the full county-by-county picture for Vermont on its state page.
Gilman and the insurance market
Gilman's low wildfire rating (14th 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
Gilman's 62.8% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 199 counted buildings into the percentiles shown above for Gilman. For more on what indirect exposure implies beyond Gilman, see the exposure-zones guide.