White Lake (Oneida), NY
White Lake (Oneida), NY's wildfire risk, in USFS's own numbers
White Lake (Oneida)'s 342 buildings earn a 6th-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks White Lake (Oneida) at the 6th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
White Lake (Oneida)'s building exposure, zone by zone
Of White Lake (Oneida)'s 342 counted buildings, 99.7% carry Direct exposure and only 0.3% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
White Lake (Oneida) against the rest of the country
White Lake (Oneida) scores 6th nationally and 8th within New York — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, White Lake (Oneida) ranks 29,736 for wildfire risk (1 is highest) and 20,525 by building count (1 is largest). Within New York alone, it ranks 1,188 of 1,289 places by risk. See the full county-by-county picture for New York on its state page.
White Lake (Oneida) and the insurance market
White Lake (Oneida)'s low wildfire rating (6th 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 Direct exposure dominates in White Lake (Oneida) (99.7%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 342 counted buildings into the percentiles shown above for White Lake (Oneida). For more on what direct exposure implies beyond White Lake (Oneida), see the exposure-zones guide.