Pelham Manor, NY
Pelham Manor wildfire risk explained
USFS scores Pelham Manor at the 35th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 1,735 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 Pelham Manor at the 34th percentile, close to its 35th-percentile risk score.
What "at risk" means for the buildings here
Only 26.6% of Pelham Manor's 1,735 buildings carry Direct exposure and 0% carry Indirect; the remaining 73.4% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Where Pelham Manor ranks
Pelham Manor's 75th-percentile standing inside New York outpaces its 35th 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, Pelham Manor ranks 20,644 for wildfire risk (1 is highest) and 8,279 by building count (1 is largest). Within New York alone, it ranks 327 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
Pelham Manor's moderate rating (35th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Even with 73.4% of Pelham Manor outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
More on how this number was built
Pelham Manor's 35th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Pelham Manor, see the exposure-zones guide.