Winter Harbor, ME
Winter Harbor wildfire risk explained
USFS's Wildfire Risk to Communities model puts Winter Harbor at the 29th national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 561 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Winter Harbor at the 29th percentile, close to its 29th-percentile risk score.
Where Winter Harbor's buildings actually sit
Direct exposure dominates in Winter Harbor: 52.1% of its 561 buildings, versus 46.5% Indirect and 1.4% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Winter Harbor against the rest of the country
Within Maine, Winter Harbor ranks higher (97th percentile) than it does nationally (29th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Winter Harbor ranks 22,435 for wildfire risk (1 is highest) and 16,391 by building count (1 is largest). Within Maine alone, it ranks 6 of 155 places by risk. See the full county-by-county picture for Maine on its state page.
Shopping for coverage in Winter Harbor
Winter Harbor's moderate wildfire rating (29th 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.
Hardening a home in Winter Harbor
With 52.1% of Winter Harbor in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Winter Harbor's figures come from
Winter Harbor's 29th-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 Winter Harbor's dominant direct exposure actually means, with real examples from across the dataset.