Elbridge, NY
Elbridge wildfire risk explained
Elbridge sits at the 8th percentile nationally for wildfire risk to structures — among the lower wildfire-risk places nationally — per USFS's Wildfire Risk to Communities model, built from its 556 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Elbridge at the 8th percentile, close to its 8th-percentile risk score.
Where Elbridge's buildings actually sit
63% of Elbridge's 556 buildings sit in USFS's Direct exposure zone, roughly 350 structures close enough to burnable vegetation for flame contact, not just embers — 37.1% fall in the Indirect, ember-only zone and 0% are Minimal.
Elbridge against the rest of the country
Elbridge scores 8th nationally and 16th within New York — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Elbridge ranks 29,103 for wildfire risk (1 is highest) and 16,479 by building count (1 is largest). Within New York alone, it ranks 1,081 of 1,289 places by risk. See the full county-by-county picture for New York on its state page.
Shopping for coverage in Elbridge
Elbridge's low rating (8th 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
Because Direct exposure dominates in Elbridge (63%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 556 counted buildings into the percentiles shown above for Elbridge. For more on what direct exposure implies beyond Elbridge, see the exposure-zones guide.