Albion, NY
Albion, NY's wildfire risk, in USFS's own numbers
USFS scores Albion at the 4th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 2,485 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Albion at the 4th percentile, close to its 4th-percentile risk score.
Where Albion's buildings actually sit
Albion rates 58.8% Minimal exposure against just 41.3% Direct and 0% Indirect — of 2,485 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
How Albion compares
Albion's risk sits at a similar level relative to New York (3rd percentile statewide) as it does nationally (4th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Albion ranks 30,387 for wildfire risk (1 is highest) and 6,327 by building count (1 is largest). Within New York alone, it ranks 1,256 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
Albion's low wildfire rating (4th 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
Even with 58.8% of Albion outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 2,485 counted buildings into the percentiles shown above for Albion. For more on what minimal exposure implies beyond Albion, see the exposure-zones guide.