Fairmount, NY
Fairmount, NY's wildfire risk, in USFS's own numbers
USFS scores Fairmount at the 8th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 4,284 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Fairmount at the 8th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Fairmount's building exposure, zone by zone
USFS puts 74.9% of Fairmount's 4,284 buildings in the Indirect exposure zone, versus 16% Direct and 9.1% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
How Fairmount compares
Fairmount 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, Fairmount ranks 29,128 for wildfire risk (1 is highest) and 3,988 by building count (1 is largest). Within New York alone, it ranks 1,089 of 1,289 places by risk. See the full county-by-county picture for New York on its state page.
Fairmount and the insurance market
Fairmount's low wildfire rating (8th 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.
What would actually reduce this score
With ember exposure the dominant pattern in Fairmount (74.9% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Fairmount's figures come from
Every one of the two percentiles behind Fairmount's 29,128-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Fairmount's dominant indirect exposure actually means, with real examples from across the dataset.