Niverville, NY
Niverville, NY's wildfire risk, in USFS's own numbers
USFS scores Niverville at the 17th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 962 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Niverville at the 17th percentile, close to its 17th-percentile risk score.
What "at risk" means for the buildings here
45.7% of Niverville's 962 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 44.2% Direct and 10.1% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
How Niverville compares
Compare Niverville's two percentiles: 40th within New York, only 17th nationally — a gap of 23 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Niverville ranks 26,039 for wildfire risk (1 is highest) and 12,210 by building count (1 is largest). Within New York alone, it ranks 771 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
Niverville's low wildfire rating (17th 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
With ember exposure the dominant pattern in Niverville (45.7% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Niverville's figures come from
Niverville's 17th-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 Niverville's dominant indirect exposure actually means, with real examples from across the dataset.