Ludlow, VT
Ludlow, VT's wildfire risk, in USFS's own numbers
Ludlow sits at the 15th percentile nationally for wildfire risk to structures — among the lower wildfire-risk places nationally — per USFS's Wildfire Risk to Communities model, built from its 657 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Ludlow at the 15th percentile, close to its 15th-percentile risk score.
What "at risk" means for the buildings here
72.2% of Ludlow's 657 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 27.9% Direct and 0% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
Where Ludlow ranks
Ludlow's 41st-percentile standing inside Vermont outpaces its 15th 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, Ludlow ranks 26,836 for wildfire risk (1 is highest) and 15,110 by building count (1 is largest). Within Vermont alone, it ranks 107 of 179 places by risk. See the full county-by-county picture for Vermont on its state page.
Ludlow and the insurance market
At the 15th national percentile, Ludlow 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
Because 72.2% of Ludlow's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 657 counted buildings into the percentiles shown above for Ludlow. For more on what indirect exposure implies beyond Ludlow, see the exposure-zones guide.