Cragsmoor, NY
Cragsmoor, NY's wildfire risk, in USFS's own numbers
USFS scores Cragsmoor at the 62nd national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 332 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Cragsmoor at the 61st percentile, close to its 62nd-percentile risk score.
What "at risk" means for the buildings here
USFS classifies 100% of Cragsmoor's buildings as Direct exposure, higher than its 0% Indirect share and far above its 0% Minimal share — a profile where 332 structures sit close enough to vegetation that lot clearing matters most.
Where Cragsmoor ranks
Within New York, Cragsmoor ranks higher (99th percentile) than it does nationally (62nd) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Cragsmoor ranks 11,921 for wildfire risk (1 is highest) and 20,764 by building count (1 is largest). Within New York alone, it ranks 12 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
Cragsmoor's high rating (62nd 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 Cragsmoor
Because Direct exposure dominates in Cragsmoor (100%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Cragsmoor's figures come from
The methodology guide shows exactly how USFS turned 332 counted buildings into the percentiles shown above for Cragsmoor. The exposure-zones guide covers what Cragsmoor's dominant direct exposure actually means, with real examples from across the dataset.