Bridgewater, NY
Bridgewater, NY's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Bridgewater at the 8th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 317 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Bridgewater's burn probability — fire likelihood with no building count factored in — sits at the 8th percentile nationally.
What "at risk" means for the buildings here
317 buildings are counted in Bridgewater, and 84.2% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
Bridgewater against the rest of the country
Bridgewater's risk sits at a similar level relative to New York (18th percentile statewide) as it does nationally (8th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Bridgewater ranks 28,939 for wildfire risk (1 is highest) and 21,185 by building count (1 is largest). Within New York alone, it ranks 1,056 of 1,289 places by risk. See the full county-by-county picture for New York on its state page.
Shopping for coverage in Bridgewater
At the 8th national percentile, Bridgewater rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
What would actually reduce this score
Because Direct exposure dominates in Bridgewater (84.2%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Bridgewater's figures come from
The methodology guide shows exactly how USFS turned 317 counted buildings into the percentiles shown above for Bridgewater. The exposure-zones guide covers what Bridgewater's dominant direct exposure actually means, with real examples from across the dataset.