Cumberland Head, NY
How exposed is Cumberland Head to wildfire?
Cumberland Head's 1,092 buildings earn a 11th-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Cumberland Head at the 10th percentile, close to its 11th-percentile risk score.
Where Cumberland Head's buildings actually sit
Cumberland Head rates 56.8% Minimal exposure against just 43.2% Direct and 0% Indirect — of 1,092 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Where Cumberland Head ranks
Cumberland Head's 26th-percentile standing inside New York outpaces its 11th 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, Cumberland Head ranks 28,089 for wildfire risk (1 is highest) and 11,330 by building count (1 is largest). Within New York alone, it ranks 954 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
At the 11th national percentile, Cumberland Head rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
With 56.8% of buildings rated Minimal exposure, Cumberland Head gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Cumberland Head's figures come from
The methodology guide shows exactly how USFS turned 1,092 counted buildings into the percentiles shown above for Cumberland Head. The exposure-zones guide covers what Cumberland Head's dominant minimal exposure actually means, with real examples from across the dataset.