Hartford Village, VT
Hartford Village wildfire risk explained
USFS scores Hartford Village at the 13th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 318 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Hartford Village at the 13th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Hartford Village's building exposure, zone by zone
USFS puts 56.6% of Hartford Village's 318 buildings in the Indirect exposure zone, versus 43.4% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
How Hartford Village compares
Hartford Village's risk sits at a similar level relative to Vermont (20th percentile statewide) as it does nationally (13th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Hartford Village ranks 27,494 for wildfire risk (1 is highest) and 21,165 by building count (1 is largest). Within Vermont alone, it ranks 143 of 179 places by risk. See the full county-by-county picture for Vermont on its state page.
What this risk score means for insurance
Hartford Village's low rating (13th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
With ember exposure the dominant pattern in Hartford Village (56.6% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Hartford Village's figures come from
Hartford Village's 13th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Hartford Village's dominant indirect exposure actually means, with real examples from across the dataset.