Retsof, NY
How exposed is Retsof to wildfire?
Out of every US place USFS scores, Retsof lands at the 5th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 187 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Retsof at the 5th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Retsof's building exposure, zone by zone
USFS classifies 88.8% of Retsof's buildings as Direct exposure, higher than its 0% Indirect share and far above its 11.2% Minimal share — a profile where 166 structures sit close enough to vegetation that lot clearing matters most.
Retsof against the rest of the country
Retsof scores 5th nationally and 4th within New York — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Retsof ranks 30,048 for wildfire risk (1 is highest) and 25,359 by building count (1 is largest). Within New York alone, it ranks 1,236 of 1,289 places by risk. See the full county-by-county picture for New York on its state page.
Shopping for coverage in Retsof
Retsof's low rating (5th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Retsof
Retsof's 88.8% 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 Retsof's figures come from
The methodology guide shows exactly how USFS turned 187 counted buildings into the percentiles shown above for Retsof. The exposure-zones guide covers what Retsof's dominant direct exposure actually means, with real examples from across the dataset.