Millwood, NY
Millwood wildfire risk explained
USFS's Wildfire Risk to Communities model puts Millwood at the 42nd national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 325 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 Millwood at the 40th percentile, close to its 42nd-percentile risk score.
Where Millwood's buildings actually sit
64.6% of Millwood's 325 buildings sit in USFS's Direct exposure zone, roughly 210 structures close enough to burnable vegetation for flame contact, not just embers — 35.4% fall in the Indirect, ember-only zone and 0% are Minimal.
How Millwood compares
Compare Millwood's two percentiles: 87th within New York, only 42nd nationally — a gap of 45 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Millwood ranks 18,377 for wildfire risk (1 is highest) and 20,964 by building count (1 is largest). Within New York alone, it ranks 172 of 1,289 places by risk. See the full county-by-county picture for New York on its state page.
Millwood and the insurance market
At the 42nd national percentile, Millwood rates elevated 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
Millwood's 64.6% 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
Millwood's 42nd-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 Millwood, see the exposure-zones guide.