Farmingdale, NY
Farmingdale wildfire risk explained
USFS's Wildfire Risk to Communities model puts Farmingdale at the 29th national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 2,344 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Farmingdale's burn probability — fire likelihood with no building count factored in — sits at the 34th percentile nationally.
Where Farmingdale's buildings actually sit
Farmingdale rates 96.2% Minimal exposure against just 3.8% Direct and 0% Indirect — of 2,344 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Where Farmingdale ranks
Within New York, Farmingdale ranks higher (61st percentile) than it does nationally (29th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Farmingdale ranks 22,349 for wildfire risk (1 is highest) and 6,617 by building count (1 is largest). Within New York alone, it ranks 501 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
Farmingdale's moderate wildfire rating (29th 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.
Lowering exposure, not just insuring around it
With 96.2% of buildings rated Minimal exposure, Farmingdale gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Farmingdale's figures come from
Every one of the two percentiles behind Farmingdale's 22,349-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Farmingdale's dominant minimal exposure actually means, with real examples from across the dataset.