Mattydale, NY
Mattydale wildfire risk explained
USFS's Wildfire Risk to Communities model puts Mattydale at the 4th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 2,900 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Mattydale at the 4th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Mattydale rates 90.7% Minimal exposure against just 9.3% Direct and 0% Indirect — of 2,900 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Where Mattydale ranks
Mattydale's risk sits at a similar level relative to New York (3rd percentile statewide) as it does nationally (4th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Mattydale ranks 30,368 for wildfire risk (1 is highest) and 5,584 by building count (1 is largest). Within New York alone, it ranks 1,255 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
Mattydale's low rating (4th 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
Even with 90.7% of Mattydale outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
More on how this number was built
Mattydale's 4th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Mattydale, see the exposure-zones guide.