Oneonta, NY
How exposed is Oneonta to wildfire?
USFS's Wildfire Risk to Communities model puts Oneonta at the 9th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 3,470 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Oneonta at the 9th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
USFS puts 85.8% of Oneonta's 3,470 buildings in the Indirect exposure zone, versus 14.2% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Where Oneonta ranks
There's little gap between Oneonta's 9th national percentile and its 19th percentile inside New York, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Oneonta ranks 28,850 for wildfire risk (1 is highest) and 4,812 by building count (1 is largest). Within New York alone, it ranks 1,048 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
Oneonta's low rating (9th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Oneonta
With ember exposure the dominant pattern in Oneonta (85.8% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Oneonta's figures come from
Oneonta's 9th-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 Oneonta's dominant indirect exposure actually means, with real examples from across the dataset.