Earlville, NY
Earlville, NY's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Earlville at the 15th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 537 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Earlville's burn probability — fire likelihood with no building count factored in — sits at the 16th percentile nationally.
What "at risk" means for the buildings here
Of Earlville's 537 counted buildings, 61.3% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Earlville against the rest of the country
Earlville's 36th-percentile standing inside New York outpaces its 15th national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Earlville ranks 26,759 for wildfire risk (1 is highest) and 16,766 by building count (1 is largest). Within New York alone, it ranks 830 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
Earlville's low rating (15th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
Because Direct exposure dominates in Earlville (61.3%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
Earlville's 15th-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 Earlville, see the exposure-zones guide.