Danby, NY
How exposed is Danby to wildfire?
USFS scores Danby at the 24th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 378 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Danby at the 24th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Danby's buildings actually sit
378 buildings are counted in Danby, and 100% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
How Danby compares
Compare Danby's two percentiles: 51st within New York, only 24th nationally — a gap of 27 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Danby ranks 24,024 for wildfire risk (1 is highest) and 19,696 by building count (1 is largest). Within New York alone, it ranks 638 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
Danby's moderate wildfire rating (24th 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
Danby's 100% 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 378 counted buildings into the percentiles shown above for Danby. For more on what direct exposure implies beyond Danby, see the exposure-zones guide.