Zena, NY
Zena wildfire risk explained
Zena sits at the 50th percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 549 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Zena at the 49th national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
Zena's building exposure, zone by zone
Of Zena's 549 counted buildings, 100% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Where Zena ranks
Compare Zena's two percentiles: 95th within New York, only 50th nationally — a gap of 44 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Zena ranks 15,731 for wildfire risk (1 is highest) and 16,588 by building count (1 is largest). Within New York alone, it ranks 70 of 1,289 places by risk. See the full county-by-county picture for New York on its state page.
Zena and the insurance market
At the 50th national percentile, Zena rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
Zena's 100% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where Zena's figures come from
The methodology guide shows exactly how USFS turned 549 counted buildings into the percentiles shown above for Zena. The exposure-zones guide covers what Zena's dominant direct exposure actually means, with real examples from across the dataset.