Dexter, NY
Dexter, NY's wildfire risk, in USFS's own numbers
USFS scores Dexter at the 12th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 512 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 Dexter at the 12th percentile, close to its 12th-percentile risk score.
Dexter's building exposure, zone by zone
USFS puts 83.2% of Dexter's 512 buildings in the Indirect exposure zone, versus 16.4% Direct and 0.4% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
How Dexter compares
Dexter's 30th-percentile standing inside New York outpaces its 12th 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, Dexter ranks 27,709 for wildfire risk (1 is highest) and 17,152 by building count (1 is largest). Within New York alone, it ranks 910 of 1,289 places by risk. See the full county-by-county picture for New York on its state page.
Dexter and the insurance market
Dexter's low rating (12th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Dexter's 83.2% 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.
More on how this number was built
Every one of the two percentiles behind Dexter's 27,709-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Dexter, see the exposure-zones guide.