Harmony, RI
Harmony wildfire risk explained
Out of every US place USFS scores, Harmony lands at the 32nd percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 558 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Harmony's burn probability — fire likelihood with no building count factored in — sits at the 28th percentile nationally.
Where Harmony's buildings actually sit
Direct exposure dominates in Harmony: 85.8% of its 558 buildings, versus 7.5% Indirect and 6.6% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where Harmony ranks
Compare Harmony's two percentiles: 89th within Rhode Island, only 32nd nationally — a gap of 56 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Harmony ranks 21,410 for wildfire risk (1 is highest) and 16,445 by building count (1 is largest). Within Rhode Island alone, it ranks 5 of 36 places by risk. See the full county-by-county picture for Rhode Island on its state page.
What this risk score means for insurance
At the 32nd national percentile, Harmony rates moderate for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
What would actually reduce this score
Because Direct exposure dominates in Harmony (85.8%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 558 counted buildings into the percentiles shown above for Harmony. For more on what direct exposure implies beyond Harmony, see the exposure-zones guide.