Thornwood, NY
Thornwood wildfire risk explained
USFS scores Thornwood at the 36th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 1,281 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Thornwood's burn probability — fire likelihood with no building count factored in — sits at the 34th percentile nationally.
Thornwood's building exposure, zone by zone
Only 21.8% of Thornwood's 1,281 buildings carry Direct exposure and 0% carry Indirect; the remaining 78.2% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Where Thornwood ranks
Within New York, Thornwood ranks higher (78th percentile) than it does nationally (36th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Thornwood ranks 20,178 for wildfire risk (1 is highest) and 10,193 by building count (1 is largest). Within New York alone, it ranks 291 of 1,289 places by risk. See the full county-by-county picture for New York on its state page.
Thornwood and the insurance market
Thornwood's moderate rating (36th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
Even with 78.2% of Thornwood 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
Every one of the two percentiles behind Thornwood's 20,178-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Thornwood, see the exposure-zones guide.