Malverne, NY
How exposed is Malverne to wildfire?
Out of every US place USFS scores, Malverne lands at the 29th percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 3,340 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Malverne's burn probability — fire likelihood with no building count factored in — sits at the 31st percentile nationally.
What "at risk" means for the buildings here
USFS classifies 97% of Malverne's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 3% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
How Malverne compares
Malverne's 60th-percentile standing inside New York outpaces its 29th 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, Malverne ranks 22,476 for wildfire risk (1 is highest) and 4,993 by building count (1 is largest). Within New York alone, it ranks 515 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 29th national percentile, Malverne 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
Malverne's 97% 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 Malverne's figures come from
The methodology guide shows exactly how USFS turned 3,340 counted buildings into the percentiles shown above for Malverne. The exposure-zones guide covers what Malverne's dominant minimal exposure actually means, with real examples from across the dataset.