Middletown, CT
Middletown wildfire risk explained
USFS scores Middletown at the 40th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 15,130 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Middletown's burn probability — fire likelihood with no building count factored in — sits at the 38th percentile nationally.
Where Middletown's buildings actually sit
15,130 buildings are counted in Middletown, and 39.7% of them are Indirect exposure — ember-driven risk rather than the 34.9% in Direct exposure or the 25.4% rated Minimal. At 15,130 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Middletown against the rest of the country
Compare Middletown's two percentiles: 78th within Connecticut, only 40th nationally — a gap of 39 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Middletown ranks 18,999 for wildfire risk (1 is highest) and 979 by building count (1 is largest). Within Connecticut alone, it ranks 47 of 214 places by risk. See the full county-by-county picture for Connecticut on its state page.
Middletown and the insurance market
Middletown's moderate rating (40th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Middletown
Because 39.7% of Middletown'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.
Where Middletown's figures come from
Middletown's 40th-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 Middletown's dominant indirect exposure actually means, with real examples from across the dataset.