Pearl River, NY
How exposed is Pearl River to wildfire?
USFS's Wildfire Risk to Communities model puts Pearl River at the 26th national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 5,806 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Pearl River at the 26th percentile, close to its 26th-percentile risk score.
What "at risk" means for the buildings here
5,806 buildings are counted in Pearl River, and 53% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 47% rated Minimal. At 5,806 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How Pearl River compares
Within New York, Pearl River ranks higher (54th percentile) than it does nationally (26th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Pearl River ranks 23,427 for wildfire risk (1 is highest) and 2,973 by building count (1 is largest). Within New York alone, it ranks 595 of 1,289 places by risk. See the full county-by-county picture for New York on its state page.
Pearl River and the insurance market
Pearl River's moderate wildfire rating (26th 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.
Lowering exposure, not just insuring around it
Pearl River's 53% 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 Pearl River's figures come from
Pearl River's 26th-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 Pearl River's dominant direct exposure actually means, with real examples from across the dataset.