Whitefield, NH
Whitefield wildfire risk explained
Whitefield's 580 buildings earn a 16th-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Whitefield at the 16th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Whitefield's buildings actually sit
580 buildings are counted in Whitefield, and 60% of them are Indirect exposure — ember-driven risk rather than the 40% in Direct exposure or the 0% rated Minimal.
Where Whitefield ranks
Whitefield's risk sits at a similar level relative to New Hampshire (30th 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, Whitefield ranks 26,541 for wildfire risk (1 is highest) and 16,107 by building count (1 is largest). Within New Hampshire alone, it ranks 73 of 100 places by risk. See the full county-by-county picture for New Hampshire on its state page.
What this risk score means for insurance
Whitefield's low wildfire rating (16th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Lowering exposure, not just insuring around it
Because 60% of Whitefield's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
Where Whitefield's figures come from
Whitefield's 16th-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 Whitefield's dominant indirect exposure actually means, with real examples from across the dataset.