Tappan, NY
Tappan, NY's wildfire risk, in USFS's own numbers
USFS scores Tappan at the 32nd national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 2,487 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Tappan at the 30th national percentile — 2 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Tappan's buildings actually sit
USFS classifies 47.7% of Tappan's buildings as Direct exposure, higher than its 10.1% Indirect share and far above its 42.2% Minimal share — a profile where 1,187 structures sit close enough to vegetation that lot clearing matters most.
How Tappan compares
Compare Tappan's two percentiles: 68th within New York, only 32nd nationally — a gap of 36 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Tappan ranks 21,593 for wildfire risk (1 is highest) and 6,325 by building count (1 is largest). Within New York alone, it ranks 420 of 1,289 places by risk. See the full county-by-county picture for New York on its state page.
Shopping for coverage in Tappan
Tappan'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
With 47.7% of Tappan in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Tappan's figures come from
Tappan's 32nd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Tappan's dominant direct exposure actually means, with real examples from across the dataset.