Rhinebeck, NY
Rhinebeck wildfire risk explained
USFS's Wildfire Risk to Communities model puts Rhinebeck at the 34th national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 1,118 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 Rhinebeck at the 34th percentile, close to its 34th-percentile risk score.
What "at risk" means for the buildings here
75.7% of Rhinebeck's 1,118 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 24.3% Direct and 0% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
Rhinebeck against the rest of the country
Compare Rhinebeck's two percentiles: 73rd within New York, only 34th nationally — a gap of 39 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Rhinebeck ranks 20,833 for wildfire risk (1 is highest) and 11,165 by building count (1 is largest). Within New York alone, it ranks 350 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
Rhinebeck's moderate wildfire rating (34th 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.
What would actually reduce this score
Because 75.7% of Rhinebeck's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
Where Rhinebeck's figures come from
Every one of the two percentiles behind Rhinebeck's 20,833-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Rhinebeck's dominant indirect exposure actually means, with real examples from across the dataset.