Kensington, NY
How exposed is Kensington to wildfire?
USFS's Wildfire Risk to Communities model puts Kensington at the 33rd national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 389 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Kensington at the 34th percentile, close to its 33rd-percentile risk score.
What "at risk" means for the buildings here
Kensington rates 81.5% Minimal exposure against just 18.5% Direct and 0% Indirect — of 389 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Where Kensington ranks
Compare Kensington's two percentiles: 71st within New York, only 33rd nationally — a gap of 38 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Kensington ranks 21,152 for wildfire risk (1 is highest) and 19,429 by building count (1 is largest). Within New York alone, it ranks 375 of 1,289 places by risk. See the full county-by-county picture for New York on its state page.
Kensington and the insurance market
Kensington's moderate rating (33rd percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Kensington's 81.5% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
Where Kensington's figures come from
Kensington's 33rd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Kensington's dominant minimal exposure actually means, with real examples from across the dataset.