Geneva, NY
Geneva wildfire risk explained
Out of every US place USFS scores, Geneva lands at the 5th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 4,699 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Geneva's burn probability — fire likelihood with no building count factored in — sits at the 5th percentile nationally.
Geneva's building exposure, zone by zone
Geneva rates 82.6% Minimal exposure against just 17.4% Direct and 0% Indirect — of 4,699 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Geneva against the rest of the country
Geneva's risk sits at a similar level relative to New York (5th percentile statewide) as it does nationally (5th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Geneva ranks 29,921 for wildfire risk (1 is highest) and 3,623 by building count (1 is largest). Within New York alone, it ranks 1,220 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
Geneva's low wildfire rating (5th 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.
Lowering exposure, not just insuring around it
Even with 82.6% of Geneva outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where Geneva's figures come from
Geneva's 5th-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 Geneva's dominant minimal exposure actually means, with real examples from across the dataset.