Churchville, NY
How exposed is Churchville to wildfire?
USFS scores Churchville at the 9th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 825 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 Churchville at the 9th percentile, close to its 9th-percentile risk score.
Churchville's building exposure, zone by zone
Most of Churchville's buildings (54.3% of 825) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
Churchville against the rest of the country
Churchville's risk sits at a similar level relative to New York (21st percentile statewide) as it does nationally (9th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Churchville ranks 28,658 for wildfire risk (1 is highest) and 13,398 by building count (1 is largest). Within New York alone, it ranks 1,023 of 1,289 places by risk. See the full county-by-county picture for New York on its state page.
Shopping for coverage in Churchville
Churchville's low wildfire rating (9th 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.
What would actually reduce this score
Even with 54.3% of Churchville 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 825 counted buildings into the percentiles shown above for Churchville. For more on what minimal exposure implies beyond Churchville, see the exposure-zones guide.