Westmere, NY
Westmere wildfire risk explained
USFS scores Westmere at the 14th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 2,421 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Westmere at the 13th national percentile — 0 points below its risk-to-structures score, a gap driven by how much is actually built there.
Westmere's building exposure, zone by zone
2,421 buildings are counted in Westmere, and 66.3% of them are Indirect exposure — ember-driven risk rather than the 33.8% in Direct exposure or the 0% rated Minimal.
How Westmere compares
Compare Westmere's two percentiles: 33rd within New York, only 14th nationally — a gap of 20 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Westmere ranks 27,205 for wildfire risk (1 is highest) and 6,463 by building count (1 is largest). Within New York alone, it ranks 859 of 1,289 places by risk. See the full county-by-county picture for New York on its state page.
Shopping for coverage in Westmere
Westmere's low rating (14th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Westmere's 66.3% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Westmere's 27,205-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Westmere, see the exposure-zones guide.