Deferiet, NY
Deferiet wildfire risk explained
USFS's Wildfire Risk to Communities model puts Deferiet at the 7th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 180 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Deferiet at the 7th percentile, close to its 7th-percentile risk score.
What "at risk" means for the buildings here
52.8% of Deferiet's 180 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 43.9% Direct and 3.3% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
Where Deferiet ranks
There's little gap between Deferiet's 7th national percentile and its 11th 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, Deferiet ranks 29,443 for wildfire risk (1 is highest) and 25,640 by building count (1 is largest). Within New York alone, it ranks 1,141 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
Deferiet's low wildfire rating (7th 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.
Hardening a home in Deferiet
Deferiet's 52.8% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
Where Deferiet's figures come from
Every one of the two percentiles behind Deferiet's 29,443-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Deferiet's dominant indirect exposure actually means, with real examples from across the dataset.