Oxford, NY
Oxford, NY's wildfire risk, in USFS's own numbers
Oxford sits at the 12th 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 788 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Oxford at the 12th percentile, close to its 12th-percentile risk score.
Where Oxford's buildings actually sit
USFS classifies 60.8% of Oxford's buildings as Direct exposure, higher than its 39.2% Indirect share and far above its 0% Minimal share — a profile where 479 structures sit close enough to vegetation that lot clearing matters most.
Where Oxford ranks
Oxford's 29th-percentile standing inside New York outpaces its 12th national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Oxford ranks 27,776 for wildfire risk (1 is highest) and 13,747 by building count (1 is largest). Within New York alone, it ranks 916 of 1,289 places by risk. See the full county-by-county picture for New York on its state page.
Shopping for coverage in Oxford
Oxford's low rating (12th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
Because Direct exposure dominates in Oxford (60.8%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Oxford's 27,776-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Oxford, see the exposure-zones guide.