Frewsburg, NY
Frewsburg wildfire risk explained
USFS scores Frewsburg at the 44th national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 1,025 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Frewsburg's burn probability — fire likelihood with no building count factored in — sits at the 45th percentile nationally.
Where Frewsburg's buildings actually sit
58.1% of Frewsburg's 1,025 buildings sit in USFS's Direct exposure zone, roughly 595 structures close enough to burnable vegetation for flame contact, not just embers — 42% fall in the Indirect, ember-only zone and 0% are Minimal.
How Frewsburg compares
Frewsburg's 89th-percentile standing inside New York outpaces its 44th 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, Frewsburg ranks 17,555 for wildfire risk (1 is highest) and 11,760 by building count (1 is largest). Within New York alone, it ranks 140 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
At the 44th national percentile, Frewsburg rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
What would actually reduce this score
Because Direct exposure dominates in Frewsburg (58.1%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Frewsburg's figures come from
Frewsburg's 44th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Frewsburg's dominant direct exposure actually means, with real examples from across the dataset.