Montrose, NY
Montrose wildfire risk explained
Montrose sits at the 39th percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 1,013 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 Montrose at the 38th percentile, close to its 39th-percentile risk score.
Where Montrose's buildings actually sit
Montrose rates 55.5% Minimal exposure against just 24.7% Direct and 19.8% Indirect — of 1,013 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
How Montrose compares
Montrose's 83rd-percentile standing inside New York outpaces its 39th national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Montrose ranks 19,135 for wildfire risk (1 is highest) and 11,844 by building count (1 is largest). Within New York alone, it ranks 214 of 1,289 places by risk. See the full county-by-county picture for New York on its state page.
Montrose and the insurance market
Montrose's moderate rating (39th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Montrose
With 55.5% of buildings rated Minimal exposure, Montrose gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Montrose's figures come from
Montrose's 39th-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 Montrose's dominant minimal exposure actually means, with real examples from across the dataset.