Liberty, NY
Liberty, NY's wildfire risk, in USFS's own numbers
Liberty sits at the 30th percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 1,584 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Liberty at the 31st national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Liberty's building exposure, zone by zone
1,584 buildings are counted in Liberty, and 60.4% of them are Indirect exposure — ember-driven risk rather than the 39.6% in Direct exposure or the 0% rated Minimal.
Liberty against the rest of the country
Within New York, Liberty ranks higher (63rd percentile) than it does nationally (30th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Liberty ranks 22,127 for wildfire risk (1 is highest) and 8,817 by building count (1 is largest). Within New York alone, it ranks 472 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
Liberty's moderate rating (30th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Liberty's 60.4% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
Where Liberty's figures come from
Liberty's 30th-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 Liberty's dominant indirect exposure actually means, with real examples from across the dataset.