Henderson, NY
Henderson wildfire risk explained
USFS's Wildfire Risk to Communities model puts Henderson at the 13th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 156 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Henderson at the 12th national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
Henderson's building exposure, zone by zone
USFS classifies 87.2% of Henderson's buildings as Direct exposure, higher than its 12.8% Indirect share and far above its 0% Minimal share — a profile where 136 structures sit close enough to vegetation that lot clearing matters most.
Henderson against the rest of the country
Henderson's 31st-percentile standing inside New York outpaces its 13th 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, Henderson ranks 27,550 for wildfire risk (1 is highest) and 26,628 by building count (1 is largest). Within New York alone, it ranks 894 of 1,289 places by risk. See the full county-by-county picture for New York on its state page.
Henderson and the insurance market
Henderson's low wildfire rating (13th 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.
Hardening a home in Henderson
Henderson's 87.2% 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.
More on how this number was built
The methodology guide shows exactly how USFS turned 156 counted buildings into the percentiles shown above for Henderson. For more on what direct exposure implies beyond Henderson, see the exposure-zones guide.