Scotia, NY
Scotia wildfire risk explained
USFS scores Scotia at the 15th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 2,882 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 Scotia at the 14th percentile, close to its 15th-percentile risk score.
Scotia's building exposure, zone by zone
85% of Scotia's 2,882 buildings sit in USFS's Minimal exposure zone, with only 11% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
How Scotia compares
Compare Scotia's two percentiles: 35th within New York, only 15th nationally — a gap of 20 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Scotia ranks 26,861 for wildfire risk (1 is highest) and 5,610 by building count (1 is largest). Within New York alone, it ranks 841 of 1,289 places by risk. See the full county-by-county picture for New York on its state page.
Shopping for coverage in Scotia
Scotia's low wildfire rating (15th 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.
What would actually reduce this score
With 85% of buildings rated Minimal exposure, Scotia gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
The methodology guide shows exactly how USFS turned 2,882 counted buildings into the percentiles shown above for Scotia. For more on what minimal exposure implies beyond Scotia, see the exposure-zones guide.