Somers, CT
Somers wildfire risk explained
USFS scores Somers at the 28th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 913 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Somers's burn probability — fire likelihood with no building count factored in — sits at the 26th percentile nationally.
Where Somers's buildings actually sit
80.3% of Somers's 913 buildings sit in USFS's Direct exposure zone, roughly 733 structures close enough to burnable vegetation for flame contact, not just embers — 19.7% fall in the Indirect, ember-only zone and 0% are Minimal.
How Somers compares
Somers's risk sits at a similar level relative to Connecticut (37th percentile statewide) as it does nationally (28th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Somers ranks 22,555 for wildfire risk (1 is highest) and 12,610 by building count (1 is largest). Within Connecticut alone, it ranks 135 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
Somers's moderate wildfire rating (28th 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 Somers (80.3%), 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 913 counted buildings into the percentiles shown above for Somers. For more on what direct exposure implies beyond Somers, see the exposure-zones guide.