Schoharie, NY
How exposed is Schoharie to wildfire?
USFS scores Schoharie at the 10th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 545 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Schoharie's burn probability — fire likelihood with no building count factored in — sits at the 10th percentile nationally.
Where Schoharie's buildings actually sit
Indirect exposure is dominant in Schoharie (60% of 545 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 40% sit in the Direct zone.
How Schoharie compares
Schoharie scores 10th nationally and 25th 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, Schoharie ranks 28,245 for wildfire risk (1 is highest) and 16,642 by building count (1 is largest). Within New York alone, it ranks 977 of 1,289 places by risk. See the full county-by-county picture for New York on its state page.
Schoharie and the insurance market
At the 10th national percentile, Schoharie rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
Schoharie's 60% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Schoharie's 28,245-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Schoharie, see the exposure-zones guide.