Cumminsville, NY
Cumminsville, NY's wildfire risk, in USFS's own numbers
Cumminsville's 125 buildings earn a 18th-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Cumminsville's burn probability — fire likelihood with no building count factored in — sits at the 18th percentile nationally.
Where Cumminsville's buildings actually sit
78.4% of Cumminsville's 125 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 21.6% Direct and 0% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
How Cumminsville compares
Cumminsville's 42nd-percentile standing inside New York outpaces its 18th 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, Cumminsville ranks 25,755 for wildfire risk (1 is highest) and 27,954 by building count (1 is largest). Within New York alone, it ranks 747 of 1,289 places by risk. See the full county-by-county picture for New York on its state page.
Cumminsville and the insurance market
Cumminsville's low wildfire rating (18th 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
With ember exposure the dominant pattern in Cumminsville (78.4% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Cumminsville's figures come from
Every one of the two percentiles behind Cumminsville's 25,755-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Cumminsville's dominant indirect exposure actually means, with real examples from across the dataset.