Phoenicia, NY
Phoenicia, NY's wildfire risk, in USFS's own numbers
USFS scores Phoenicia at the 40th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 232 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Phoenicia at the 39th national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Phoenicia's buildings actually sit
232 buildings are counted in Phoenicia, and 55.6% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
Where Phoenicia ranks
Compare Phoenicia's two percentiles: 84th within New York, only 40th nationally — a gap of 44 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Phoenicia ranks 19,073 for wildfire risk (1 is highest) and 23,745 by building count (1 is largest). Within New York alone, it ranks 210 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
Phoenicia's moderate wildfire rating (40th 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.
Lowering exposure, not just insuring around it
Phoenicia's 55.6% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
Every one of the two percentiles behind Phoenicia's 19,073-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Phoenicia, see the exposure-zones guide.