Hartland, VT
Hartland, VT's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Hartland at the 16th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 234 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Hartland's burn probability — fire likelihood with no building count factored in — sits at the 17th percentile nationally.
Where Hartland's buildings actually sit
Of Hartland's 234 counted buildings, 95.3% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Hartland against the rest of the country
Hartland's 58th-percentile standing inside Vermont outpaces its 16th national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Hartland ranks 26,488 for wildfire risk (1 is highest) and 23,688 by building count (1 is largest). Within Vermont alone, it ranks 79 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
Hartland's low wildfire rating (16th 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 95.3% of Hartland 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.
More on how this number was built
The methodology guide shows exactly how USFS turned 234 counted buildings into the percentiles shown above for Hartland. For more on what direct exposure implies beyond Hartland, see the exposure-zones guide.