Cherry Creek, NY
How exposed is Cherry Creek to wildfire?
Cherry Creek sits at the 41st percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 361 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 Cherry Creek at the 42nd percentile, close to its 41st-percentile risk score.
Where Cherry Creek's buildings actually sit
USFS classifies 80.1% of Cherry Creek's buildings as Direct exposure, higher than its 19.9% Indirect share and far above its 0% Minimal share — a profile where 289 structures sit close enough to vegetation that lot clearing matters most.
Where Cherry Creek ranks
Cherry Creek's 86th-percentile standing inside New York outpaces its 41st 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, Cherry Creek ranks 18,594 for wildfire risk (1 is highest) and 20,042 by building count (1 is largest). Within New York alone, it ranks 184 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
Cherry Creek's elevated rating (41st 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
Cherry Creek's 80.1% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where Cherry Creek's figures come from
Cherry Creek's 41st-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Cherry Creek's dominant direct exposure actually means, with real examples from across the dataset.