Hartwick, NY
How exposed is Hartwick to wildfire?
Hartwick's 397 buildings earn a 19th-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Hartwick's burn probability — fire likelihood with no building count factored in — sits at the 20th percentile nationally.
What "at risk" means for the buildings here
96.5% of Hartwick's 397 buildings sit in USFS's Direct exposure zone, roughly 383 structures close enough to burnable vegetation for flame contact, not just embers — 3.5% fall in the Indirect, ember-only zone and 0% are Minimal.
Hartwick against the rest of the country
Within New York, Hartwick ranks higher (43rd percentile) than it does nationally (19th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Hartwick ranks 25,598 for wildfire risk (1 is highest) and 19,273 by building count (1 is largest). Within New York alone, it ranks 735 of 1,289 places by risk. See the full county-by-county picture for New York on its state page.
Shopping for coverage in Hartwick
Hartwick's low wildfire rating (19th 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.
What would actually reduce this score
With 96.5% of Hartwick 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.
More on how this number was built
Hartwick's 19th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Hartwick, see the exposure-zones guide.