Haviland, NY
Haviland, NY's wildfire risk, in USFS's own numbers
USFS scores Haviland at the 34th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 1,830 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Haviland's burn probability — fire likelihood with no building count factored in — sits at the 34th percentile nationally.
Where Haviland's buildings actually sit
1,830 buildings are counted in Haviland, and 65.2% 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.
How Haviland compares
Compare Haviland's two percentiles: 75th within New York, only 34th nationally — a gap of 40 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Haviland ranks 20,679 for wildfire risk (1 is highest) and 7,983 by building count (1 is largest). Within New York alone, it ranks 328 of 1,289 places by risk. See the full county-by-county picture for New York on its state page.
Shopping for coverage in Haviland
Haviland's moderate wildfire rating (34th 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
Haviland's 65.2% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
The methodology guide shows exactly how USFS turned 1,830 counted buildings into the percentiles shown above for Haviland. For more on what direct exposure implies beyond Haviland, see the exposure-zones guide.