Sagamore, MA
How exposed is Sagamore to wildfire?
Sagamore's 1,950 buildings earn a 30th-percentile wildfire-risk score nationally under USFS's model — close to the middle of USFS's national wildfire-risk range. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Sagamore at the 20th percentile, close to its 30th-percentile risk score.
Where Sagamore's buildings actually sit
54.6% of Sagamore's 1,950 buildings sit in USFS's Minimal exposure zone, with only 19.5% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
How Sagamore compares
Sagamore's 77th-percentile standing inside Massachusetts outpaces its 30th 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, Sagamore ranks 22,027 for wildfire risk (1 is highest) and 7,616 by building count (1 is largest). Within Massachusetts alone, it ranks 56 of 248 places by risk. See the full county-by-county picture for Massachusetts on its state page.
Sagamore and the insurance market
Sagamore's moderate wildfire rating (30th 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.
Lowering exposure, not just insuring around it
Even with 54.6% of Sagamore 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.
More on how this number was built
Sagamore's 30th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Sagamore, see the exposure-zones guide.