Clark Mills, NY
Clark Mills wildfire risk explained
USFS scores Clark Mills at the 6th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 897 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Clark Mills's burn probability — fire likelihood with no building count factored in — sits at the 6th percentile nationally.
What "at risk" means for the buildings here
Direct exposure dominates in Clark Mills: 65.2% of its 897 buildings, versus 2.6% Indirect and 32.2% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
How Clark Mills compares
Clark Mills's risk sits at a similar level relative to New York (9th percentile statewide) as it does nationally (6th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Clark Mills ranks 29,697 for wildfire risk (1 is highest) and 12,749 by building count (1 is largest). Within New York alone, it ranks 1,173 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
Clark Mills's low wildfire rating (6th 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 Clark Mills (65.2%), 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
Clark Mills's 6th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Clark Mills, see the exposure-zones guide.