Waverly, NY
Waverly wildfire risk explained
USFS scores Waverly at the 25th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 1,920 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Waverly's burn probability — fire likelihood with no building count factored in — sits at the 24th percentile nationally.
Where Waverly's buildings actually sit
USFS puts 80.7% of Waverly's 1,920 buildings in the Indirect exposure zone, versus 19.3% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Waverly against the rest of the country
Waverly's 52nd-percentile standing inside New York outpaces its 25th national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Waverly ranks 23,768 for wildfire risk (1 is highest) and 7,706 by building count (1 is largest). Within New York alone, it ranks 627 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
Waverly's moderate rating (25th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
Because 80.7% of Waverly'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.
More on how this number was built
The methodology guide shows exactly how USFS turned 1,920 counted buildings into the percentiles shown above for Waverly. For more on what indirect exposure implies beyond Waverly, see the exposure-zones guide.