Bainbridge, NY
How exposed is Bainbridge to wildfire?
Bainbridge's 721 buildings earn a 17th-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 Bainbridge at the 18th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Bainbridge's buildings actually sit
Most of Bainbridge's buildings (54.2%) sit in the Indirect zone, where wind-blown embers rather than flame front are the mechanism USFS is scoring — ember-resistant vents and non-combustible roofing are the interventions this pattern favors, more than defensible space alone.
Where Bainbridge ranks
Bainbridge's 40th-percentile standing inside New York outpaces its 17th national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Bainbridge ranks 26,038 for wildfire risk (1 is highest) and 14,439 by building count (1 is largest). Within New York alone, it ranks 770 of 1,289 places by risk. See the full county-by-county picture for New York on its state page.
Shopping for coverage in Bainbridge
Bainbridge's low wildfire rating (17th 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
Bainbridge's 54.2% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
Where Bainbridge's figures come from
The methodology guide shows exactly how USFS turned 721 counted buildings into the percentiles shown above for Bainbridge. The exposure-zones guide covers what Bainbridge's dominant indirect exposure actually means, with real examples from across the dataset.