North Troy, VT
North Troy wildfire risk explained
North Troy's 324 buildings earn a 14th-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, North Troy's burn probability — fire likelihood with no building count factored in — sits at the 15th percentile nationally.
North Troy's building exposure, zone by zone
324 buildings are counted in North Troy, and 64.5% 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.
How North Troy compares
North Troy's 32nd-percentile standing inside Vermont outpaces its 14th 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, North Troy ranks 27,085 for wildfire risk (1 is highest) and 20,994 by building count (1 is largest). Within Vermont alone, it ranks 122 of 179 places by risk. See the full county-by-county picture for Vermont on its state page.
North Troy and the insurance market
At the 14th national percentile, North Troy 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
North Troy's 64.5% 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.
More on how this number was built
The methodology guide shows exactly how USFS turned 324 counted buildings into the percentiles shown above for North Troy. For more on what direct exposure implies beyond North Troy, see the exposure-zones guide.