Saddle Rock, NY
How exposed is Saddle Rock to wildfire?
Saddle Rock sits at the 31st 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 319 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Saddle Rock's burn probability — fire likelihood with no building count factored in — sits at the 33rd percentile nationally.
What "at risk" means for the buildings here
USFS classifies 92.2% of Saddle Rock's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 7.8% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Where Saddle Rock ranks
Saddle Rock's 67th-percentile standing inside New York outpaces its 31st 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 ranks 21,656 for wildfire risk (1 is highest) and 21,126 by building count (1 is largest). Within New York alone, it ranks 426 of 1,289 places by risk. See the full county-by-county picture for New York on its state page.
Saddle Rock and the insurance market
Saddle Rock's moderate wildfire rating (31st 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
Even with 92.2% of Saddle Rock outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 319 counted buildings into the percentiles shown above for Saddle Rock. For more on what minimal exposure implies beyond Saddle Rock, see the exposure-zones guide.