Tivoli, NY
Tivoli wildfire risk explained
Tivoli's 500 buildings earn a 29th-percentile wildfire-risk score nationally under USFS's model — close to the middle of USFS's national wildfire-risk range. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Tivoli at the 28th national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Tivoli's buildings actually sit
Direct exposure dominates in Tivoli: 66.2% of its 500 buildings, versus 33.8% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Tivoli against the rest of the country
Tivoli's 62nd-percentile standing inside New York outpaces its 29th 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, Tivoli ranks 22,258 for wildfire risk (1 is highest) and 17,361 by building count (1 is largest). Within New York alone, it ranks 490 of 1,289 places by risk. See the full county-by-county picture for New York on its state page.
What this risk score means for insurance
At the 29th national percentile, Tivoli rates moderate for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
What would actually reduce this score
Because Direct exposure dominates in Tivoli (66.2%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Tivoli's figures come from
The methodology guide shows exactly how USFS turned 500 counted buildings into the percentiles shown above for Tivoli. The exposure-zones guide covers what Tivoli's dominant direct exposure actually means, with real examples from across the dataset.