Monticello, NY
Monticello, NY's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Monticello lands at the 39th percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 2,189 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Monticello at the 39th percentile, close to its 39th-percentile risk score.
What "at risk" means for the buildings here
Indirect exposure is dominant in Monticello (63.5% of 2,189 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 36.5% sit in the Direct zone.
Where Monticello ranks
Compare Monticello's two percentiles: 83rd within New York, only 39th nationally — a gap of 43 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Monticello ranks 19,228 for wildfire risk (1 is highest) and 6,962 by building count (1 is largest). Within New York alone, it ranks 225 of 1,289 places by risk. See the full county-by-county picture for New York on its state page.
Monticello and the insurance market
Monticello's moderate wildfire rating (39th 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 Monticello
With ember exposure the dominant pattern in Monticello (63.5% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
Every one of the two percentiles behind Monticello's 19,228-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Monticello, see the exposure-zones guide.