Topstone, CT
How exposed is Topstone to wildfire?
USFS scores Topstone at the 42nd national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 93 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Topstone's burn probability — fire likelihood with no building count factored in — sits at the 41st percentile nationally.
Topstone's building exposure, zone by zone
Direct exposure dominates in Topstone: 100% of its 93 buildings, versus 0% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
How Topstone compares
Compare Topstone's two percentiles: 87th within Connecticut, only 42nd nationally — a gap of 45 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Topstone ranks 18,365 for wildfire risk (1 is highest) and 29,343 by building count (1 is largest). Within Connecticut alone, it ranks 29 of 214 places by risk. See the full county-by-county picture for Connecticut on its state page.
Topstone and the insurance market
At the 42nd national percentile, Topstone rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
What would actually reduce this score
Because Direct exposure dominates in Topstone (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 93 counted buildings into the percentiles shown above for Topstone. For more on what direct exposure implies beyond Topstone, see the exposure-zones guide.