Cassadaga, NY
How exposed is Cassadaga to wildfire?
Cassadaga sits at the 39th 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 454 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 Cassadaga at the 40th percentile, close to its 39th-percentile risk score.
Where Cassadaga's buildings actually sit
71.6% of Cassadaga's 454 buildings sit in USFS's Direct exposure zone, roughly 325 structures close enough to burnable vegetation for flame contact, not just embers — 24% fall in the Indirect, ember-only zone and 4.4% are Minimal.
How Cassadaga compares
Within New York, Cassadaga ranks higher (83rd percentile) than it does nationally (39th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Cassadaga ranks 19,192 for wildfire risk (1 is highest) and 18,193 by building count (1 is largest). Within New York alone, it ranks 218 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
Cassadaga's moderate wildfire rating (39th 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
Because Direct exposure dominates in Cassadaga (71.6%), 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 Cassadaga's 19,192-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Cassadaga, see the exposure-zones guide.