Harmonyville, VT
How exposed is Harmonyville to wildfire?
USFS scores Harmonyville at the 18th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 107 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Harmonyville at the 18th percentile, close to its 18th-percentile risk score.
What "at risk" means for the buildings here
Direct exposure dominates in Harmonyville: 100% of its 107 buildings, versus 0% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
How Harmonyville compares
Compare Harmonyville's two percentiles: 82nd within Vermont, only 18th nationally — a gap of 64 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Harmonyville ranks 25,892 for wildfire risk (1 is highest) and 28,754 by building count (1 is largest). Within Vermont alone, it ranks 36 of 179 places by risk. See the full county-by-county picture for Vermont on its state page.
Harmonyville and the insurance market
Harmonyville'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.
Hardening a home in Harmonyville
With 100% of Harmonyville in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Harmonyville's figures come from
The methodology guide shows exactly how USFS turned 107 counted buildings into the percentiles shown above for Harmonyville. The exposure-zones guide covers what Harmonyville's dominant direct exposure actually means, with real examples from across the dataset.