Tioga Terrace, NY
Tioga Terrace wildfire risk explained
USFS scores Tioga Terrace at the 18th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 811 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Tioga Terrace at the 18th national percentile — 0 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Tioga Terrace's buildings actually sit
54.9% of Tioga Terrace's 811 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 45.1% Direct and 0% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
Where Tioga Terrace ranks
Within New York, Tioga Terrace ranks higher (42nd percentile) than it does nationally (18th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Tioga Terrace ranks 25,785 for wildfire risk (1 is highest) and 13,546 by building count (1 is largest). Within New York alone, it ranks 751 of 1,289 places by risk. See the full county-by-county picture for New York on its state page.
Shopping for coverage in Tioga Terrace
Tioga Terrace's low wildfire rating (18th 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.
Lowering exposure, not just insuring around it
Because 54.9% of Tioga Terrace's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
Where Tioga Terrace's figures come from
The methodology guide shows exactly how USFS turned 811 counted buildings into the percentiles shown above for Tioga Terrace. The exposure-zones guide covers what Tioga Terrace's dominant indirect exposure actually means, with real examples from across the dataset.