Carthage, NY
Carthage wildfire risk explained
Carthage's 1,224 buildings earn a 8th-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Carthage at the 8th percentile, close to its 8th-percentile risk score.
Carthage's building exposure, zone by zone
Indirect exposure is dominant in Carthage (64.1% of 1,224 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 35.7% sit in the Direct zone.
Carthage against the rest of the country
Carthage's risk sits at a similar level relative to New York (15th percentile statewide) as it does nationally (8th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Carthage ranks 29,160 for wildfire risk (1 is highest) and 10,509 by building count (1 is largest). Within New York alone, it ranks 1,096 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
Carthage's low wildfire rating (8th 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.
Hardening a home in Carthage
Because 64.1% of Carthage's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
Where Carthage's figures come from
The methodology guide shows exactly how USFS turned 1,224 counted buildings into the percentiles shown above for Carthage. The exposure-zones guide covers what Carthage's dominant indirect exposure actually means, with real examples from across the dataset.