Speculator, NY
Speculator, NY's wildfire risk, in USFS's own numbers
Speculator's 709 buildings earn a 16th-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Speculator's burn probability — fire likelihood with no building count factored in — sits at the 16th percentile nationally.
Speculator's building exposure, zone by zone
Of Speculator's 709 counted buildings, 82% carry Direct exposure and only 4.8% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Speculator against the rest of the country
Compare Speculator's two percentiles: 37th within New York, only 16th nationally — a gap of 21 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Speculator ranks 26,606 for wildfire risk (1 is highest) and 14,572 by building count (1 is largest). Within New York alone, it ranks 813 of 1,289 places by risk. See the full county-by-county picture for New York on its state page.
Speculator and the insurance market
Speculator's low wildfire rating (16th 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.
Hardening a home in Speculator
Speculator's 82% 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 Speculator's 26,606-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Speculator, see the exposure-zones guide.