Gardiner, NY
Gardiner wildfire risk explained
USFS scores Gardiner at the 51st national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 580 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Gardiner at the 52nd national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Of Gardiner's 580 counted buildings, 84.8% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Gardiner against the rest of the country
Gardiner's 95th-percentile standing inside New York outpaces its 51st 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, Gardiner ranks 15,569 for wildfire risk (1 is highest) and 16,108 by building count (1 is largest). Within New York alone, it ranks 62 of 1,289 places by risk. See the full county-by-county picture for New York on its state page.
Shopping for coverage in Gardiner
At the 51st national percentile, Gardiner rates elevated 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
With 84.8% of Gardiner in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Gardiner's figures come from
Gardiner's 51st-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Gardiner's dominant direct exposure actually means, with real examples from across the dataset.