Garrattsville, NY
Garrattsville, NY's wildfire risk, in USFS's own numbers
Garrattsville's 139 buildings earn a 20th-percentile wildfire-risk score nationally under USFS's model — close to the middle of USFS's national wildfire-risk range. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Garrattsville's burn probability — fire likelihood with no building count factored in — sits at the 21st percentile nationally.
Where Garrattsville's buildings actually sit
USFS classifies 99.3% of Garrattsville's buildings as Direct exposure, higher than its 0.7% Indirect share and far above its 0% Minimal share — a profile where 138 structures sit close enough to vegetation that lot clearing matters most.
Garrattsville against the rest of the country
Compare Garrattsville's two percentiles: 45th within New York, only 20th nationally — a gap of 25 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Garrattsville ranks 25,125 for wildfire risk (1 is highest) and 27,339 by building count (1 is largest). Within New York alone, it ranks 706 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
At the 20th national percentile, Garrattsville rates moderate for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
What would actually reduce this score
Garrattsville's 99.3% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where Garrattsville's figures come from
Every one of the two percentiles behind Garrattsville's 25,125-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Garrattsville's dominant direct exposure actually means, with real examples from across the dataset.