Sail Harbor, CT
Sail Harbor wildfire risk explained
USFS scores Sail Harbor at the 40th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 268 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Sail Harbor's burn probability — fire likelihood with no building count factored in — sits at the 38th percentile nationally.
Sail Harbor's building exposure, zone by zone
100% of Sail Harbor's 268 buildings sit in USFS's Direct exposure zone, roughly 268 structures close enough to burnable vegetation for flame contact, not just embers — 0% fall in the Indirect, ember-only zone and 0% are Minimal.
How Sail Harbor compares
Sail Harbor's 79th-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, Sail Harbor ranks 18,963 for wildfire risk (1 is highest) and 22,558 by building count (1 is largest). Within Connecticut alone, it ranks 46 of 214 places by risk. See the full county-by-county picture for Connecticut on its state page.
Shopping for coverage in Sail Harbor
Sail Harbor's moderate rating (40th 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 Sail Harbor
Because Direct exposure dominates in Sail Harbor (100%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 268 counted buildings into the percentiles shown above for Sail Harbor. For more on what direct exposure implies beyond Sail Harbor, see the exposure-zones guide.