Greenwich, NY
Greenwich wildfire risk explained
USFS's Wildfire Risk to Communities model puts Greenwich at the 23rd national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 965 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Greenwich's burn probability — fire likelihood with no building count factored in — sits at the 22nd percentile nationally.
What "at risk" means for the buildings here
Most of Greenwich's buildings (78.5%) sit in the Indirect zone, where wind-blown embers rather than flame front are the mechanism USFS is scoring — ember-resistant vents and non-combustible roofing are the interventions this pattern favors, more than defensible space alone.
Greenwich against the rest of the country
Compare Greenwich's two percentiles: 49th within New York, only 23rd nationally — a gap of 26 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Greenwich ranks 24,366 for wildfire risk (1 is highest) and 12,187 by building count (1 is largest). Within New York alone, it ranks 665 of 1,289 places by risk. See the full county-by-county picture for New York on its state page.
Greenwich and the insurance market
Greenwich's moderate wildfire rating (23rd 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
Greenwich's 78.5% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 965 counted buildings into the percentiles shown above for Greenwich. For more on what indirect exposure implies beyond Greenwich, see the exposure-zones guide.