Ridgefield, CT
Ridgefield wildfire risk explained
Out of every US place USFS scores, Ridgefield lands at the 40th percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 5,745 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Ridgefield's burn probability — fire likelihood with no building count factored in — sits at the 39th percentile nationally.
Ridgefield's building exposure, zone by zone
74% of Ridgefield's 5,745 buildings sit in USFS's Direct exposure zone, roughly 4,249 structures close enough to burnable vegetation for flame contact, not just embers — 26% fall in the Indirect, ember-only zone and 0% are Minimal. At 5,745 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How Ridgefield compares
Ridgefield's 78th-percentile standing inside Connecticut outpaces its 40th 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, Ridgefield ranks 19,027 for wildfire risk (1 is highest) and 3,007 by building count (1 is largest). Within Connecticut alone, it ranks 49 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
Ridgefield's moderate wildfire rating (40th 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 Ridgefield (74%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Ridgefield's figures come from
The methodology guide shows exactly how USFS turned 5,745 counted buildings into the percentiles shown above for Ridgefield. The exposure-zones guide covers what Ridgefield's dominant direct exposure actually means, with real examples from across the dataset.