Old Saybrook Center, CT
Old Saybrook Center, CT's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Old Saybrook Center at the 21st national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 1,307 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Old Saybrook Center at the 20th national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
Old Saybrook Center's building exposure, zone by zone
Old Saybrook Center rates 44.6% Minimal exposure against just 16.2% Direct and 39.2% Indirect — of 1,307 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Old Saybrook Center against the rest of the country
Old Saybrook Center scores 21st nationally and 12th 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 Saybrook Center ranks 24,823 for wildfire risk (1 is highest) and 10,039 by building count (1 is largest). Within Connecticut alone, it ranks 189 of 214 places by risk. See the full county-by-county picture for Connecticut on its state page.
Old Saybrook Center and the insurance market
Old Saybrook Center's moderate wildfire rating (21st 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
Even with 44.6% of Old Saybrook Center outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where Old Saybrook Center's figures come from
Old Saybrook Center's 21st-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 Old Saybrook Center's dominant minimal exposure actually means, with real examples from across the dataset.