Clayville, NY
Clayville wildfire risk explained
Out of every US place USFS scores, Clayville lands at the 5th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 176 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Clayville at the 5th percentile, close to its 5th-percentile risk score.
Clayville's building exposure, zone by zone
86.9% of Clayville's 176 buildings sit in USFS's Direct exposure zone, roughly 153 structures close enough to burnable vegetation for flame contact, not just embers — 13.1% fall in the Indirect, ember-only zone and 0% are Minimal.
How Clayville compares
Clayville's risk sits at a similar level relative to New York (6th percentile statewide) as it does nationally (5th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Clayville ranks 29,889 for wildfire risk (1 is highest) and 25,793 by building count (1 is largest). Within New York alone, it ranks 1,217 of 1,289 places by risk. See the full county-by-county picture for New York on its state page.
Clayville and the insurance market
Clayville'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.
Hardening a home in Clayville
Because Direct exposure dominates in Clayville (86.9%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Clayville's figures come from
Every one of the two percentiles behind Clayville's 29,889-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Clayville's dominant direct exposure actually means, with real examples from across the dataset.