Coram, NY
How exposed is Coram to wildfire?
Out of every US place USFS scores, Coram lands at the 46th percentile for wildfire risk to structures — modestly above the national average for wildfire risk — a figure built from its 9,618 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Coram at the 44th national percentile — 2 points below its risk-to-structures score, a gap driven by how much is actually built there.
Coram's building exposure, zone by zone
USFS classifies 64.5% of Coram's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 30.1% Direct and 5.4% Indirect — a landscape-level risk rather than a building-by-building one. At 9,618 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Coram against the rest of the country
Coram's 90th-percentile standing inside New York outpaces its 46th 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, Coram ranks 17,087 for wildfire risk (1 is highest) and 1,695 by building count (1 is largest). Within New York alone, it ranks 125 of 1,289 places by risk. See the full county-by-county picture for New York on its state page.
Coram and the insurance market
Coram's elevated wildfire rating (46th 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
Coram's 64.5% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
Where Coram's figures come from
Coram's 46th-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 Coram's dominant minimal exposure actually means, with real examples from across the dataset.