Cobleskill, NY
How exposed is Cobleskill to wildfire?
USFS's Wildfire Risk to Communities model puts Cobleskill at the 10th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 1,504 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Cobleskill at the 10th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
USFS puts 73.1% of Cobleskill's 1,504 buildings in the Indirect exposure zone, versus 26.9% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Where Cobleskill ranks
Cobleskill scores 10th nationally and 23rd within New York — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Cobleskill ranks 28,404 for wildfire risk (1 is highest) and 9,158 by building count (1 is largest). Within New York alone, it ranks 992 of 1,289 places by risk. See the full county-by-county picture for New York on its state page.
Shopping for coverage in Cobleskill
Cobleskill's low wildfire rating (10th 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.
Lowering exposure, not just insuring around it
Because 73.1% of Cobleskill'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.
More on how this number was built
Every one of the two percentiles behind Cobleskill's 28,404-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Cobleskill, see the exposure-zones guide.