Rosendale, NY
How exposed is Rosendale to wildfire?
Rosendale sits at the 40th percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 668 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Rosendale's burn probability — fire likelihood with no building count factored in — sits at the 40th percentile nationally.
What "at risk" means for the buildings here
79.5% of Rosendale's 668 buildings sit in USFS's Direct exposure zone, roughly 531 structures close enough to burnable vegetation for flame contact, not just embers — 20.5% fall in the Indirect, ember-only zone and 0% are Minimal.
Where Rosendale ranks
Rosendale's 84th-percentile standing inside New York outpaces its 40th 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, Rosendale ranks 19,036 for wildfire risk (1 is highest) and 14,982 by building count (1 is largest). Within New York alone, it ranks 207 of 1,289 places by risk. See the full county-by-county picture for New York on its state page.
Rosendale and the insurance market
Rosendale's moderate wildfire rating (40th 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 Direct exposure dominates in Rosendale (79.5%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Rosendale's 19,036-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Rosendale, see the exposure-zones guide.