Gardnertown, NY
Gardnertown wildfire risk explained
Out of every US place USFS scores, Gardnertown lands at the 35th percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 2,151 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Gardnertown at the 35th national percentile — 1 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
57.1% of Gardnertown's 2,151 buildings sit in USFS's Direct exposure zone, roughly 1,229 structures close enough to burnable vegetation for flame contact, not just embers — 11.4% fall in the Indirect, ember-only zone and 31.5% are Minimal.
How Gardnertown compares
Within New York, Gardnertown ranks higher (75th percentile) than it does nationally (35th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Gardnertown ranks 20,614 for wildfire risk (1 is highest) and 7,070 by building count (1 is largest). Within New York alone, it ranks 321 of 1,289 places by risk. See the full county-by-county picture for New York on its state page.
Gardnertown and the insurance market
Gardnertown's moderate rating (35th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Gardnertown
Because Direct exposure dominates in Gardnertown (57.1%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Gardnertown's figures come from
Every one of the two percentiles behind Gardnertown's 20,614-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Gardnertown's dominant direct exposure actually means, with real examples from across the dataset.