Hull, MA
How exposed is Hull to wildfire?
USFS scores Hull at the 23rd national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 4,736 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Hull's burn probability — fire likelihood with no building count factored in — sits at the 20th percentile nationally.
Hull's building exposure, zone by zone
Hull rates 98.6% Minimal exposure against just 1.4% Direct and 0% Indirect — of 4,736 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
How Hull compares
Hull scores 23rd nationally and 34th within Massachusetts — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Hull ranks 24,235 for wildfire risk (1 is highest) and 3,604 by building count (1 is largest). Within Massachusetts alone, it ranks 163 of 248 places by risk. See the full county-by-county picture for Massachusetts on its state page.
What this risk score means for insurance
Hull's moderate rating (23rd 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 98.6% of buildings rated Minimal exposure, Hull gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Hull's figures come from
Hull's 23rd-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 Hull's dominant minimal exposure actually means, with real examples from across the dataset.