Campbell, NY
Campbell wildfire risk explained
Campbell sits at the 30th 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 510 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Campbell at the 29th national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
Campbell's building exposure, zone by zone
Direct exposure dominates in Campbell: 59.6% of its 510 buildings, versus 40.4% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Campbell against the rest of the country
Within New York, Campbell ranks higher (64th percentile) than it does nationally (30th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Campbell ranks 22,034 for wildfire risk (1 is highest) and 17,171 by building count (1 is largest). Within New York alone, it ranks 462 of 1,289 places by risk. See the full county-by-county picture for New York on its state page.
Campbell and the insurance market
Campbell's moderate rating (30th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Campbell (59.6%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Campbell's 22,034-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Campbell, see the exposure-zones guide.