Durhamville, NY
Durhamville, NY's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Durhamville lands at the 10th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 321 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Durhamville's burn probability — fire likelihood with no building count factored in — sits at the 10th percentile nationally.
Durhamville's building exposure, zone by zone
Direct exposure dominates in Durhamville: 81.6% of its 321 buildings, versus 18.4% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Durhamville against the rest of the country
Durhamville's risk sits at a similar level relative to New York (22nd percentile statewide) as it does nationally (10th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Durhamville ranks 28,528 for wildfire risk (1 is highest) and 21,065 by building count (1 is largest). Within New York alone, it ranks 1,003 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
Durhamville's low wildfire rating (10th 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
Durhamville's 81.6% 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
Durhamville's 10th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Durhamville, see the exposure-zones guide.