Franklin, NY
Franklin wildfire risk explained
Franklin sits at the 17th percentile nationally for wildfire risk to structures — among the lower wildfire-risk places nationally — per USFS's Wildfire Risk to Communities model, built from its 253 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Franklin at the 17th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Franklin's buildings actually sit
Of Franklin's 253 counted buildings, 63.2% 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.
Franklin against the rest of the country
Compare Franklin's two percentiles: 38th within New York, only 17th nationally — a gap of 22 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Franklin ranks 26,321 for wildfire risk (1 is highest) and 23,050 by building count (1 is largest). Within New York alone, it ranks 793 of 1,289 places by risk. See the full county-by-county picture for New York on its state page.
Franklin and the insurance market
Franklin's low rating (17th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Franklin's 63.2% 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.
Where Franklin's figures come from
Franklin's 17th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Franklin's dominant direct exposure actually means, with real examples from across the dataset.