New York, NY
New York, NY's wildfire risk, in USFS's own numbers
New York 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 926,960 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks New York at the 37th national percentile — 2 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where New York's buildings actually sit
USFS classifies 99.4% of New York's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 0.6% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one. At 926,960 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where New York ranks
New York'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, New York ranks 19,259 for wildfire risk (1 is highest) and 1 by building count (1 is largest). Within New York alone, it ranks 228 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 39th national percentile, New York rates moderate for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
What would actually reduce this score
With 99.4% of buildings rated Minimal exposure, New York gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where New York's figures come from
New York'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 New York's dominant minimal exposure actually means, with real examples from across the dataset.