Naples, NY
Naples, NY's wildfire risk, in USFS's own numbers
USFS scores Naples at the 30th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 632 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Naples at the 29th percentile, close to its 30th-percentile risk score.
Where Naples's buildings actually sit
632 buildings are counted in Naples, and 72.9% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
How Naples compares
Naples's 65th-percentile standing inside New York outpaces its 30th 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, Naples ranks 21,939 for wildfire risk (1 is highest) and 15,439 by building count (1 is largest). Within New York alone, it ranks 455 of 1,289 places by risk. See the full county-by-county picture for New York on its state page.
Naples and the insurance market
Naples's moderate wildfire rating (30th 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 Naples
With 72.9% of Naples in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Naples's figures come from
Every one of the two percentiles behind Naples's 21,939-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Naples's dominant direct exposure actually means, with real examples from across the dataset.