Calverton, NY
Calverton wildfire risk explained
Calverton sits at the 63rd percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 3,596 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Calverton at the 56th national percentile — 8 points below its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Of Calverton's 3,596 counted buildings, 46.1% carry Direct exposure and only 26.4% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
How Calverton compares
Compare Calverton's two percentiles: 99th within New York, only 63rd nationally — a gap of 36 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Calverton ranks 11,545 for wildfire risk (1 is highest) and 4,654 by building count (1 is largest). Within New York alone, it ranks 8 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
Calverton's high rating (63rd percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Hardening a home in Calverton
Calverton's 46.1% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where Calverton's figures come from
Every one of the two percentiles behind Calverton's 11,545-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Calverton's dominant direct exposure actually means, with real examples from across the dataset.