Fort Montgomery, NY
Fort Montgomery wildfire risk explained
USFS scores Fort Montgomery at the 51st national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 829 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Fort Montgomery's burn probability — fire likelihood with no building count factored in — sits at the 49th percentile nationally.
Fort Montgomery's building exposure, zone by zone
USFS puts 54.4% of Fort Montgomery's 829 buildings in the Indirect exposure zone, versus 44.3% Direct and 1.3% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Fort Montgomery against the rest of the country
Within New York, Fort Montgomery ranks higher (96th percentile) than it does nationally (51st) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Fort Montgomery ranks 15,354 for wildfire risk (1 is highest) and 13,359 by building count (1 is largest). Within New York alone, it ranks 52 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
Fort Montgomery's elevated rating (51st percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Because 54.4% of Fort Montgomery's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 829 counted buildings into the percentiles shown above for Fort Montgomery. For more on what indirect exposure implies beyond Fort Montgomery, see the exposure-zones guide.