Hartly, DE
How exposed is Hartly to wildfire?
USFS's Wildfire Risk to Communities model puts Hartly at the 43rd national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 65 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Hartly at the 44th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Hartly's building exposure, zone by zone
Direct exposure dominates in Hartly: 83.1% of its 65 buildings, versus 16.9% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
How Hartly compares
Hartly's 64th-percentile standing inside Delaware outpaces its 43rd 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, Hartly ranks 17,860 for wildfire risk (1 is highest) and 30,453 by building count (1 is largest). Within Delaware alone, it ranks 30 of 79 places by risk. See the full county-by-county picture for Delaware on its state page.
What this risk score means for insurance
At the 43rd national percentile, Hartly rates elevated 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
With 83.1% of Hartly 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
Hartly's 43rd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Hartly, see the exposure-zones guide.