Mount Morris, NY
How exposed is Mount Morris to wildfire?
Mount Morris sits at the 6th percentile nationally for wildfire risk to structures — among the lower wildfire-risk places nationally — per USFS's Wildfire Risk to Communities model, built from its 1,425 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Mount Morris at the 6th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Mount Morris's building exposure, zone by zone
Most of Mount Morris's buildings (67.4%) sit in the Indirect zone, where wind-blown embers rather than flame front are the mechanism USFS is scoring — ember-resistant vents and non-combustible roofing are the interventions this pattern favors, more than defensible space alone.
How Mount Morris compares
Mount Morris's risk sits at a similar level relative to New York (10th percentile statewide) as it does nationally (6th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Mount Morris ranks 29,539 for wildfire risk (1 is highest) and 9,505 by building count (1 is largest). Within New York alone, it ranks 1,153 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
Mount Morris's low rating (6th 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
With ember exposure the dominant pattern in Mount Morris (67.4% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Mount Morris's figures come from
Every one of the two percentiles behind Mount Morris's 29,539-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Mount Morris's dominant indirect exposure actually means, with real examples from across the dataset.