Monroe, NY
How exposed is Monroe to wildfire?
USFS's Wildfire Risk to Communities model puts Monroe at the 40th national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 2,897 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Monroe's burn probability — fire likelihood with no building count factored in — sits at the 39th percentile nationally.
Where Monroe's buildings actually sit
USFS puts 54.7% of Monroe's 2,897 buildings in the Indirect exposure zone, versus 45.3% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Where Monroe ranks
Compare Monroe's two percentiles: 84th within New York, only 40th nationally — a gap of 44 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Monroe ranks 18,942 for wildfire risk (1 is highest) and 5,589 by building count (1 is largest). Within New York alone, it ranks 204 of 1,289 places by risk. See the full county-by-county picture for New York on its state page.
Shopping for coverage in Monroe
At the 40th national percentile, Monroe 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
Because 54.7% of Monroe's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
Where Monroe's figures come from
Monroe's 40th-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 Monroe's dominant indirect exposure actually means, with real examples from across the dataset.