University Gardens, NY
University Gardens, NY's wildfire risk, in USFS's own numbers
USFS scores University Gardens at the 35th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 1,214 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks University Gardens at the 36th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Only 8.7% of University Gardens's 1,214 buildings carry Direct exposure and 0% carry Indirect; the remaining 91.3% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
How University Gardens compares
Compare University Gardens's two percentiles: 75th within New York, only 35th nationally — a gap of 40 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, University Gardens ranks 20,618 for wildfire risk (1 is highest) and 10,571 by building count (1 is largest). Within New York alone, it ranks 325 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
University Gardens's moderate wildfire rating (35th 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.
Lowering exposure, not just insuring around it
With 91.3% of buildings rated Minimal exposure, University Gardens gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where University Gardens's figures come from
University Gardens's 35th-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 University Gardens's dominant minimal exposure actually means, with real examples from across the dataset.