Whitesboro, NY
How exposed is Whitesboro to wildfire?
USFS scores Whitesboro at the 5th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 1,539 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Whitesboro at the 5th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Whitesboro's building exposure, zone by zone
Most of Whitesboro's buildings (64.7%) sit in the Indirect zone, where wind-blown embers rather than flame front are the mechanism USFS is scoring — ember-resistant vents and non-combustible roofing are the interventions this pattern favors, more than defensible space alone.
How Whitesboro compares
Whitesboro scores 5th nationally and 5th 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, Whitesboro ranks 30,016 for wildfire risk (1 is highest) and 8,988 by building count (1 is largest). Within New York alone, it ranks 1,232 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
Whitesboro's low wildfire rating (5th 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 64.7% of Whitesboro'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
Whitesboro's 5th-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 Whitesboro, see the exposure-zones guide.