Accord, NY
Accord, NY's wildfire risk, in USFS's own numbers
Accord sits at the 49th 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 439 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Accord at the 50th percentile, close to its 49th-percentile risk score.
Accord's building exposure, zone by zone
Direct exposure dominates in Accord: 90.7% of its 439 buildings, versus 9.3% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where Accord ranks
Compare Accord's two percentiles: 93rd within New York, only 49th nationally — a gap of 44 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Accord ranks 16,049 for wildfire risk (1 is highest) and 18,485 by building count (1 is largest). Within New York alone, it ranks 87 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 49th national percentile, Accord rates elevated 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
Accord's 90.7% 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.
More on how this number was built
Every one of the two percentiles behind Accord's 16,049-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Accord, see the exposure-zones guide.