Napanoch, NY
Napanoch, NY's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Napanoch at the 59th national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 580 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Napanoch at the 58th national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Of Napanoch's 580 counted buildings, 65.5% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Where Napanoch ranks
Compare Napanoch's two percentiles: 98th within New York, only 59th nationally — a gap of 40 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Napanoch ranks 12,964 for wildfire risk (1 is highest) and 16,109 by building count (1 is largest). Within New York alone, it ranks 21 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
At the 59th national percentile, Napanoch rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
Napanoch's 65.5% 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.
Where Napanoch's figures come from
Napanoch's 59th-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 Napanoch's dominant direct exposure actually means, with real examples from across the dataset.