Saddle Rock Estates, NY
Saddle Rock Estates, NY's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Saddle Rock Estates at the 32nd national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 140 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Saddle Rock Estates at the 34th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Saddle Rock Estates's buildings actually sit
74.3% of Saddle Rock Estates's 140 buildings sit in USFS's Minimal exposure zone, with only 25.7% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Saddle Rock Estates against the rest of the country
Saddle Rock Estates's 68th-percentile standing inside New York outpaces its 32nd 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, Saddle Rock Estates ranks 21,531 for wildfire risk (1 is highest) and 27,292 by building count (1 is largest). Within New York alone, it ranks 412 of 1,289 places by risk. See the full county-by-county picture for New York on its state page.
Saddle Rock Estates and the insurance market
Saddle Rock Estates's moderate rating (32nd 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
Saddle Rock Estates's 74.3% 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.
More on how this number was built
Every one of the two percentiles behind Saddle Rock Estates's 21,531-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Saddle Rock Estates, see the exposure-zones guide.