Red Oaks Mill, NY
Red Oaks Mill wildfire risk explained
USFS scores Red Oaks Mill at the 31st national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 1,573 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Red Oaks Mill at the 32nd percentile, close to its 31st-percentile risk score.
Where Red Oaks Mill's buildings actually sit
1,573 buildings are counted in Red Oaks Mill, and 51.4% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 1.8% rated Minimal.
Where Red Oaks Mill ranks
Within New York, Red Oaks Mill ranks higher (67th percentile) than it does nationally (31st) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Red Oaks Mill ranks 21,714 for wildfire risk (1 is highest) and 8,874 by building count (1 is largest). Within New York alone, it ranks 433 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
At the 31st national percentile, Red Oaks Mill rates moderate for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
What would actually reduce this score
Because Direct exposure dominates in Red Oaks Mill (51.4%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Red Oaks Mill's figures come from
The methodology guide shows exactly how USFS turned 1,573 counted buildings into the percentiles shown above for Red Oaks Mill. The exposure-zones guide covers what Red Oaks Mill's dominant direct exposure actually means, with real examples from across the dataset.