Roosevelt, NY
Roosevelt wildfire risk explained
Out of every US place USFS scores, Roosevelt lands at the 21st percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 4,398 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Roosevelt at the 24th percentile, close to its 21st-percentile risk score.
What "at risk" means for the buildings here
Most of Roosevelt's buildings (96.7% of 4,398) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
How Roosevelt compares
Roosevelt's 46th-percentile standing inside New York outpaces its 21st 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, Roosevelt ranks 25,000 for wildfire risk (1 is highest) and 3,885 by building count (1 is largest). Within New York alone, it ranks 698 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
Roosevelt's moderate wildfire rating (21st 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
Roosevelt's 96.7% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
Where Roosevelt's figures come from
Every one of the two percentiles behind Roosevelt's 25,000-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Roosevelt's dominant minimal exposure actually means, with real examples from across the dataset.