Bath, NY
How exposed is Bath to wildfire?
USFS scores Bath at the 25th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 2,708 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Bath at the 25th national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Bath's buildings actually sit
75.9% of Bath's 2,708 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 24.2% Direct and 0% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
Bath against the rest of the country
Compare Bath's two percentiles: 54th within New York, only 25th nationally — a gap of 28 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Bath ranks 23,547 for wildfire risk (1 is highest) and 5,914 by building count (1 is largest). Within New York alone, it ranks 599 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
Bath's moderate wildfire rating (25th 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.
What would actually reduce this score
With ember exposure the dominant pattern in Bath (75.9% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
The methodology guide shows exactly how USFS turned 2,708 counted buildings into the percentiles shown above for Bath. For more on what indirect exposure implies beyond Bath, see the exposure-zones guide.