Bemus Point, NY
Bemus Point wildfire risk explained
Bemus Point sits at the 37th percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 279 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 Bemus Point at the 39th percentile, close to its 37th-percentile risk score.
Where Bemus Point's buildings actually sit
279 buildings are counted in Bemus Point, and 56.6% of them are Indirect exposure — ember-driven risk rather than the 39.1% in Direct exposure or the 4.3% rated Minimal.
Bemus Point against the rest of the country
Bemus Point's 81st-percentile standing inside New York outpaces its 37th 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, Bemus Point ranks 19,734 for wildfire risk (1 is highest) and 22,227 by building count (1 is largest). Within New York alone, it ranks 250 of 1,289 places by risk. See the full county-by-county picture for New York on its state page.
Bemus Point and the insurance market
At the 37th national percentile, Bemus Point rates moderate 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
With ember exposure the dominant pattern in Bemus Point (56.6% 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
Bemus Point's 37th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Bemus Point, see the exposure-zones guide.