Saugerties, NY
Saugerties, NY's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Saugerties at the 34th national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 1,516 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Saugerties'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
Most of Saugerties's buildings (74.5%) sit in the Indirect zone, where wind-blown embers rather than flame front are the mechanism USFS is scoring — ember-resistant vents and non-combustible roofing are the interventions this pattern favors, more than defensible space alone.
Saugerties against the rest of the country
Saugerties's 73rd-percentile standing inside New York outpaces its 34th 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, Saugerties ranks 20,863 for wildfire risk (1 is highest) and 9,095 by building count (1 is largest). Within New York alone, it ranks 353 of 1,289 places by risk. See the full county-by-county picture for New York on its state page.
Saugerties and the insurance market
Saugerties'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.
Hardening a home in Saugerties
With ember exposure the dominant pattern in Saugerties (74.5% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
The methodology guide shows exactly how USFS turned 1,516 counted buildings into the percentiles shown above for Saugerties. For more on what indirect exposure implies beyond Saugerties, see the exposure-zones guide.