Putnam, CT
How exposed is Putnam to wildfire?
Putnam sits at the 21st percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 2,756 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Putnam's burn probability — fire likelihood with no building count factored in — sits at the 20th percentile nationally.
What "at risk" means for the buildings here
43% of Putnam's 2,756 buildings sit in USFS's Minimal exposure zone, with only 28.3% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Where Putnam ranks
There's little gap between Putnam's 21st national percentile and its 13th percentile inside Connecticut, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Putnam ranks 24,793 for wildfire risk (1 is highest) and 5,840 by building count (1 is largest). Within Connecticut alone, it ranks 188 of 214 places by risk. See the full county-by-county picture for Connecticut on its state page.
Shopping for coverage in Putnam
Putnam's moderate rating (21st percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Putnam
Even with 43% of Putnam 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 Putnam's figures come from
Putnam'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 Putnam's dominant minimal exposure actually means, with real examples from across the dataset.