Chappaqua, NY
Chappaqua, NY's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Chappaqua lands at the 37th percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 739 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Chappaqua's burn probability — fire likelihood with no building count factored in — sits at the 35th percentile nationally.
What "at risk" means for the buildings here
USFS classifies 65.1% of Chappaqua's buildings as Direct exposure, higher than its 34.9% Indirect share and far above its 0% Minimal share — a profile where 481 structures sit close enough to vegetation that lot clearing matters most.
Chappaqua against the rest of the country
Chappaqua's 79th-percentile standing inside New York outpaces its 37th 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, Chappaqua ranks 19,913 for wildfire risk (1 is highest) and 14,232 by building count (1 is largest). Within New York alone, it ranks 267 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
Chappaqua's moderate wildfire rating (37th 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.
What would actually reduce this score
Because Direct exposure dominates in Chappaqua (65.1%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 739 counted buildings into the percentiles shown above for Chappaqua. For more on what direct exposure implies beyond Chappaqua, see the exposure-zones guide.