Troy, NH
Troy wildfire risk explained
Troy's 492 buildings earn a 19th-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Troy at the 19th percentile, close to its 19th-percentile risk score.
What "at risk" means for the buildings here
USFS classifies 59.6% of Troy's buildings as Direct exposure, higher than its 40.5% Indirect share and far above its 0% Minimal share — a profile where 293 structures sit close enough to vegetation that lot clearing matters most.
How Troy compares
Compare Troy's two percentiles: 57th within New Hampshire, only 19th nationally — a gap of 38 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Troy ranks 25,628 for wildfire risk (1 is highest) and 17,499 by building count (1 is largest). Within New Hampshire alone, it ranks 44 of 100 places by risk. See the full county-by-county picture for New Hampshire on its state page.
Shopping for coverage in Troy
Troy's low rating (19th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
Troy's 59.6% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where Troy's figures come from
Troy's 19th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Troy's dominant direct exposure actually means, with real examples from across the dataset.