Stillwater, NY
How exposed is Stillwater to wildfire?
Stillwater's 740 buildings earn a 21st-percentile wildfire-risk score nationally under USFS's model — close to the middle of USFS's national wildfire-risk range. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Stillwater's burn probability — fire likelihood with no building count factored in — sits at the 21st percentile nationally.
Where Stillwater's buildings actually sit
USFS puts 67.4% of Stillwater's 740 buildings in the Indirect exposure zone, versus 30.4% Direct and 2.2% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Where Stillwater ranks
Within New York, Stillwater ranks higher (46th percentile) than it does nationally (21st) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Stillwater ranks 24,873 for wildfire risk (1 is highest) and 14,220 by building count (1 is largest). Within New York alone, it ranks 692 of 1,289 places by risk. See the full county-by-county picture for New York on its state page.
Shopping for coverage in Stillwater
Stillwater's moderate wildfire rating (21st 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 Stillwater
With ember exposure the dominant pattern in Stillwater (67.4% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
Stillwater's 21st-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Stillwater, see the exposure-zones guide.