Oxbow, NY
Oxbow, NY's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Oxbow lands at the 9th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 90 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Oxbow at the 9th percentile, close to its 9th-percentile risk score.
What "at risk" means for the buildings here
USFS classifies 97.8% of Oxbow's buildings as Direct exposure, higher than its 2.2% Indirect share and far above its 0% Minimal share — a profile where 88 structures sit close enough to vegetation that lot clearing matters most.
How Oxbow compares
There's little gap between Oxbow's 9th national percentile and its 20th 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, Oxbow ranks 28,725 for wildfire risk (1 is highest) and 29,502 by building count (1 is largest). Within New York alone, it ranks 1,031 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
Oxbow'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.
Lowering exposure, not just insuring around it
With 97.8% of Oxbow in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Oxbow's 28,725-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Oxbow, see the exposure-zones guide.