Waterford, CT
Waterford wildfire risk explained
USFS's Wildfire Risk to Communities model puts Waterford at the 18th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 1,368 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Waterford at the 17th national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Waterford's buildings actually sit
85.8% of Waterford's 1,368 buildings sit in USFS's Minimal exposure zone, with only 14.3% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Where Waterford ranks
Waterford's risk sits at a similar level relative to Connecticut (5th percentile statewide) as it does nationally (18th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Waterford ranks 25,990 for wildfire risk (1 is highest) and 9,754 by building count (1 is largest). Within Connecticut alone, it ranks 204 of 214 places by risk. See the full county-by-county picture for Connecticut on its state page.
Shopping for coverage in Waterford
Waterford's low rating (18th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Waterford
Waterford's 85.8% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 1,368 counted buildings into the percentiles shown above for Waterford. For more on what minimal exposure implies beyond Waterford, see the exposure-zones guide.