Proctor, VT
Proctor, VT's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Proctor lands at the 17th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 842 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Proctor at the 17th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
842 buildings are counted in Proctor, and 57.7% 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.
Proctor against the rest of the country
Proctor's 66th-percentile standing inside Vermont outpaces its 17th 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, Proctor ranks 26,331 for wildfire risk (1 is highest) and 13,239 by building count (1 is largest). Within Vermont alone, it ranks 62 of 179 places by risk. See the full county-by-county picture for Vermont on its state page.
What this risk score means for insurance
Proctor's low wildfire rating (17th 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.
What would actually reduce this score
Because Direct exposure dominates in Proctor (57.7%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Proctor's figures come from
Proctor's 17th-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 Proctor's dominant direct exposure actually means, with real examples from across the dataset.