Whitney Point, NY
Whitney Point, NY's wildfire risk, in USFS's own numbers
USFS scores Whitney Point at the 11th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 515 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Whitney Point at the 11th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
52% of Whitney Point's 515 buildings sit in USFS's Direct exposure zone, roughly 268 structures close enough to burnable vegetation for flame contact, not just embers — 48% fall in the Indirect, ember-only zone and 0% are Minimal.
Whitney Point against the rest of the country
Whitney Point's 27th-percentile standing inside New York outpaces its 11th 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, Whitney Point ranks 28,026 for wildfire risk (1 is highest) and 17,104 by building count (1 is largest). Within New York alone, it ranks 948 of 1,289 places by risk. See the full county-by-county picture for New York on its state page.
Whitney Point and the insurance market
Whitney Point's low rating (11th 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
Whitney Point's 52% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
The methodology guide shows exactly how USFS turned 515 counted buildings into the percentiles shown above for Whitney Point. For more on what direct exposure implies beyond Whitney Point, see the exposure-zones guide.