Hobart, NY
Hobart, NY's wildfire risk, in USFS's own numbers
Hobart's 257 buildings earn a 31st-percentile wildfire-risk score nationally under USFS's model — close to the middle of USFS's national wildfire-risk range. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Hobart's burn probability — fire likelihood with no building count factored in — sits at the 31st percentile nationally.
Where Hobart's buildings actually sit
257 buildings are counted in Hobart, and 78.6% 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.
Where Hobart ranks
Within New York, Hobart ranks higher (65th percentile) than it does nationally (31st) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Hobart ranks 21,910 for wildfire risk (1 is highest) and 22,920 by building count (1 is largest). Within New York alone, it ranks 447 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
Hobart's moderate wildfire rating (31st 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
Hobart's 78.6% 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.
Where Hobart's figures come from
Every one of the two percentiles behind Hobart's 21,910-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Hobart's dominant direct exposure actually means, with real examples from across the dataset.