Croghan, NY
Croghan, NY's wildfire risk, in USFS's own numbers
USFS scores Croghan at the 5th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 444 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Croghan at the 6th percentile, close to its 5th-percentile risk score.
Croghan's building exposure, zone by zone
Indirect exposure is dominant in Croghan (65.3% of 444 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 34.7% sit in the Direct zone.
Where Croghan ranks
There's little gap between Croghan's 5th national percentile and its 6th percentile inside New York, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Croghan ranks 29,855 for wildfire risk (1 is highest) and 18,386 by building count (1 is largest). Within New York alone, it ranks 1,214 of 1,289 places by risk. See the full county-by-county picture for New York on its state page.
Shopping for coverage in Croghan
Croghan's low rating (5th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Croghan
Because 65.3% of Croghan'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
The methodology guide shows exactly how USFS turned 444 counted buildings into the percentiles shown above for Croghan. For more on what indirect exposure implies beyond Croghan, see the exposure-zones guide.