Peacham, VT
Peacham wildfire risk explained
USFS scores Peacham at the 14th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 118 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Peacham's burn probability — fire likelihood with no building count factored in — sits at the 15th percentile nationally.
Peacham's building exposure, zone by zone
118 buildings are counted in Peacham, and 89% 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.
Peacham against the rest of the country
Compare Peacham's two percentiles: 37th within Vermont, only 14th nationally — a gap of 22 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Peacham ranks 26,961 for wildfire risk (1 is highest) and 28,280 by building count (1 is largest). Within Vermont alone, it ranks 113 of 179 places by risk. See the full county-by-county picture for Vermont on its state page.
Shopping for coverage in Peacham
Peacham's low rating (14th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
Because Direct exposure dominates in Peacham (89%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
Peacham's 14th-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 Peacham, see the exposure-zones guide.