Grahamsville, NY
Grahamsville, NY's wildfire risk, in USFS's own numbers
Grahamsville sits at the 40th percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 311 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 Grahamsville at the 41st percentile, close to its 40th-percentile risk score.
What "at risk" means for the buildings here
311 buildings are counted in Grahamsville, and 95.2% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
Grahamsville against the rest of the country
Compare Grahamsville's two percentiles: 85th within New York, only 40th nationally — a gap of 44 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Grahamsville ranks 18,787 for wildfire risk (1 is highest) and 21,347 by building count (1 is largest). Within New York alone, it ranks 195 of 1,289 places by risk. See the full county-by-county picture for New York on its state page.
Grahamsville and the insurance market
Grahamsville's elevated wildfire rating (40th 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
Because Direct exposure dominates in Grahamsville (95.2%), 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
Every one of the two percentiles behind Grahamsville's 18,787-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Grahamsville, see the exposure-zones guide.