Litchfield, CT
How exposed is Litchfield to wildfire?
Out of every US place USFS scores, Litchfield lands at the 46th percentile for wildfire risk to structures — modestly above the national average for wildfire risk — a figure built from its 700 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Litchfield at the 45th percentile, close to its 46th-percentile risk score.
What "at risk" means for the buildings here
700 buildings are counted in Litchfield, and 71.6% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
Litchfield against the rest of the country
Within Connecticut, Litchfield ranks higher (98th percentile) than it does nationally (46th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Litchfield ranks 16,917 for wildfire risk (1 is highest) and 14,655 by building count (1 is largest). Within Connecticut alone, it ranks 6 of 214 places by risk. See the full county-by-county picture for Connecticut on its state page.
What this risk score means for insurance
Litchfield's elevated rating (46th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Litchfield's 71.6% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where Litchfield's figures come from
Every one of the two percentiles behind Litchfield's 16,917-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Litchfield's dominant direct exposure actually means, with real examples from across the dataset.