Lynnfield, MA
Lynnfield wildfire risk explained
USFS's Wildfire Risk to Communities model puts Lynnfield at the 28th national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 4,817 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Lynnfield at the 24th national percentile — 4 points below its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
4,817 buildings are counted in Lynnfield, and 55.7% of them are Indirect exposure — ember-driven risk rather than the 22.7% in Direct exposure or the 21.6% rated Minimal.
Where Lynnfield ranks
Within Massachusetts, Lynnfield ranks higher (65th percentile) than it does nationally (28th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Lynnfield ranks 22,688 for wildfire risk (1 is highest) and 3,545 by building count (1 is largest). Within Massachusetts alone, it ranks 88 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
Lynnfield's moderate wildfire rating (28th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Lowering exposure, not just insuring around it
Because 55.7% of Lynnfield'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 4,817 counted buildings into the percentiles shown above for Lynnfield. For more on what indirect exposure implies beyond Lynnfield, see the exposure-zones guide.