Troy, VT
How exposed is Troy to wildfire?
Troy sits at the 14th percentile nationally for wildfire risk to structures — among the lower wildfire-risk places nationally — per USFS's Wildfire Risk to Communities model, built from its 177 counted buildings, not vegetation cover alone. (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 15th percentile, close to its 14th-percentile risk score.
Troy's building exposure, zone by zone
177 buildings are counted in Troy, and 79.1% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
Where Troy ranks
Within Vermont, Troy ranks higher (32nd percentile) than it does nationally (14th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Troy ranks 27,086 for wildfire risk (1 is highest) and 25,764 by building count (1 is largest). Within Vermont alone, it ranks 123 of 179 places by risk. See the full county-by-county picture for Vermont on its state page.
Troy and the insurance market
At the 14th national percentile, Troy rates low 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
Troy's 79.1% 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.
More on how this number was built
Every one of the two percentiles behind Troy's 27,086-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Troy, see the exposure-zones guide.