Ovid, NY
Ovid, NY's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Ovid lands at the 4th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 330 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Ovid's burn probability — fire likelihood with no building count factored in — sits at the 4th percentile nationally.
Ovid's building exposure, zone by zone
Ovid rates 63.3% Minimal exposure against just 36.7% Direct and 0% Indirect — of 330 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Ovid against the rest of the country
Ovid scores 4th nationally and 3rd within New York — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Ovid ranks 30,235 for wildfire risk (1 is highest) and 20,826 by building count (1 is largest). Within New York alone, it ranks 1,247 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
Ovid's low wildfire rating (4th 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.
Hardening a home in Ovid
Ovid's 63.3% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Ovid's 30,235-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Ovid, see the exposure-zones guide.