Hartford, CT
Hartford, CT's wildfire risk, in USFS's own numbers
Hartford's 27,058 buildings earn a 22nd-percentile wildfire-risk score nationally under USFS's model — close to the middle of USFS's national wildfire-risk range. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Hartford at the 22nd percentile, close to its 22nd-percentile risk score.
Where Hartford's buildings actually sit
Hartford rates 97.2% Minimal exposure against just 2.8% Direct and 0% Indirect — of 27,058 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually. At 27,058 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How Hartford compares
There's little gap between Hartford's 22nd national percentile and its 16th percentile inside Connecticut, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Hartford ranks 24,541 for wildfire risk (1 is highest) and 454 by building count (1 is largest). Within Connecticut alone, it ranks 181 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
Hartford's moderate wildfire rating (22nd 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
With 97.2% of buildings rated Minimal exposure, Hartford gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Hartford's figures come from
Every one of the two percentiles behind Hartford's 24,541-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Hartford's dominant minimal exposure actually means, with real examples from across the dataset.