Laconia, NH
How exposed is Laconia to wildfire?
USFS's Wildfire Risk to Communities model puts Laconia at the 15th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 8,037 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Laconia's burn probability — fire likelihood with no building count factored in — sits at the 15th percentile nationally.
Where Laconia's buildings actually sit
Indirect exposure is dominant in Laconia (38.3% of 8,037 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 34% sit in the Direct zone. At 8,037 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Laconia ranks
Laconia scores 15th nationally and 13th within New Hampshire — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Laconia ranks 26,894 for wildfire risk (1 is highest) and 2,101 by building count (1 is largest). Within New Hampshire alone, it ranks 87 of 100 places by risk. See the full county-by-county picture for New Hampshire on its state page.
What this risk score means for insurance
At the 15th national percentile, Laconia rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
Laconia's 38.3% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
Where Laconia's figures come from
The methodology guide shows exactly how USFS turned 8,037 counted buildings into the percentiles shown above for Laconia. The exposure-zones guide covers what Laconia's dominant indirect exposure actually means, with real examples from across the dataset.