Stonington, CT
Stonington wildfire risk explained
Out of every US place USFS scores, Stonington lands at the 16th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 635 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Stonington at the 14th percentile, close to its 16th-percentile risk score.
Where Stonington's buildings actually sit
USFS classifies 92.3% of Stonington's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 1.1% Direct and 6.6% Indirect — a landscape-level risk rather than a building-by-building one.
How Stonington compares
Stonington's risk sits at a similar level relative to Connecticut (3rd percentile statewide) as it does nationally (16th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Stonington ranks 26,589 for wildfire risk (1 is highest) and 15,401 by building count (1 is largest). Within Connecticut alone, it ranks 207 of 214 places by risk. See the full county-by-county picture for Connecticut on its state page.
Stonington and the insurance market
At the 16th national percentile, Stonington rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
Even with 92.3% of Stonington 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
The methodology guide shows exactly how USFS turned 635 counted buildings into the percentiles shown above for Stonington. For more on what minimal exposure implies beyond Stonington, see the exposure-zones guide.