Old Mystic, CT
Old Mystic, CT's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Old Mystic at the 22nd national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 1,608 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Old Mystic at the 20th percentile, close to its 22nd-percentile risk score.
Old Mystic's building exposure, zone by zone
USFS classifies 57.3% of Old Mystic's buildings as Direct exposure, higher than its 30.7% Indirect share and far above its 12.1% Minimal share — a profile where 921 structures sit close enough to vegetation that lot clearing matters most.
Old Mystic against the rest of the country
Old Mystic scores 22nd nationally and 16th within Connecticut — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Old Mystic ranks 24,510 for wildfire risk (1 is highest) and 8,737 by building count (1 is largest). Within Connecticut alone, it ranks 180 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
Old Mystic's moderate wildfire rating (22nd 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
With 57.3% of Old Mystic in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
More on how this number was built
Old Mystic's 22nd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Old Mystic, see the exposure-zones guide.