Brewster, NY
Brewster, NY's wildfire risk, in USFS's own numbers
Brewster sits at the 32nd percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 565 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Brewster's burn probability — fire likelihood with no building count factored in — sits at the 31st percentile nationally.
Where Brewster's buildings actually sit
90.4% of Brewster's 565 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 9.6% Direct and 0% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
Where Brewster ranks
Within New York, Brewster ranks higher (69th percentile) than it does nationally (32nd) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Brewster ranks 21,370 for wildfire risk (1 is highest) and 16,330 by building count (1 is largest). Within New York alone, it ranks 393 of 1,289 places by risk. See the full county-by-county picture for New York on its state page.
What this risk score means for insurance
Brewster's moderate rating (32nd percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Brewster's 90.4% 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.
More on how this number was built
Brewster's 32nd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Brewster, see the exposure-zones guide.