Montgomery, NY
Montgomery, NY's wildfire risk, in USFS's own numbers
Montgomery sits at the 45th percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 1,317 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Montgomery at the 47th percentile, close to its 45th-percentile risk score.
Montgomery's building exposure, zone by zone
USFS puts 55.5% of Montgomery's 1,317 buildings in the Indirect exposure zone, versus 39.2% Direct and 5.3% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Where Montgomery ranks
Compare Montgomery's two percentiles: 89th within New York, only 45th nationally — a gap of 45 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Montgomery ranks 17,490 for wildfire risk (1 is highest) and 9,985 by building count (1 is largest). Within New York alone, it ranks 137 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
Montgomery's elevated wildfire rating (45th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Hardening a home in Montgomery
Because 55.5% of Montgomery'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.
More on how this number was built
Montgomery's 45th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Montgomery, see the exposure-zones guide.