Smallwood, NY
How exposed is Smallwood to wildfire?
Smallwood sits at the 43rd percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 1,057 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Smallwood's burn probability — fire likelihood with no building count factored in — sits at the 44th percentile nationally.
Where Smallwood's buildings actually sit
USFS classifies 100% of Smallwood's buildings as Direct exposure, higher than its 0% Indirect share and far above its 0% Minimal share — a profile where 1,057 structures sit close enough to vegetation that lot clearing matters most.
Where Smallwood ranks
Compare Smallwood's two percentiles: 89th within New York, only 43rd nationally — a gap of 45 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Smallwood ranks 17,848 for wildfire risk (1 is highest) and 11,548 by building count (1 is largest). Within New York alone, it ranks 150 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
Smallwood's elevated wildfire rating (43rd 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
Because Direct exposure dominates in Smallwood (100%), 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
Smallwood's 43rd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Smallwood, see the exposure-zones guide.