Pemberwick, CT
Pemberwick wildfire risk explained
USFS scores Pemberwick at the 28th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 2,024 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Pemberwick at the 29th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Pemberwick's buildings actually sit
Only 23.5% of Pemberwick's 2,024 buildings carry Direct exposure and 0% carry Indirect; the remaining 76.5% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Where Pemberwick ranks
Pemberwick's risk sits at a similar level relative to Connecticut (38th percentile statewide) as it does nationally (28th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Pemberwick ranks 22,526 for wildfire risk (1 is highest) and 7,398 by building count (1 is largest). Within Connecticut alone, it ranks 134 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
At the 28th national percentile, Pemberwick rates moderate for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
What would actually reduce this score
Pemberwick's 76.5% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 2,024 counted buildings into the percentiles shown above for Pemberwick. For more on what minimal exposure implies beyond Pemberwick, see the exposure-zones guide.