Congers, NY
Congers, NY's wildfire risk, in USFS's own numbers
USFS scores Congers at the 28th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 2,828 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Congers's burn probability — fire likelihood with no building count factored in — sits at the 25th percentile nationally.
Where Congers's buildings actually sit
2,828 buildings are counted in Congers, and 57.6% of them are Indirect exposure — ember-driven risk rather than the 21.9% in Direct exposure or the 20.5% rated Minimal.
How Congers compares
Congers's 57th-percentile standing inside New York outpaces its 28th 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, Congers ranks 22,821 for wildfire risk (1 is highest) and 5,703 by building count (1 is largest). Within New York alone, it ranks 544 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
At the 28th national percentile, Congers rates moderate for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
Congers's 57.6% 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
Congers's 28th-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 Congers, see the exposure-zones guide.