Galway, NY
How exposed is Galway to wildfire?
USFS scores Galway at the 22nd national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 100 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Galway at the 23rd percentile, close to its 22nd-percentile risk score.
What "at risk" means for the buildings here
100% of Galway's 100 buildings sit in USFS's Direct exposure zone, roughly 100 structures close enough to burnable vegetation for flame contact, not just embers — 0% fall in the Indirect, ember-only zone and 0% are Minimal.
How Galway compares
Compare Galway's two percentiles: 48th within New York, only 22nd nationally — a gap of 26 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Galway ranks 24,559 for wildfire risk (1 is highest) and 29,043 by building count (1 is largest). Within New York alone, it ranks 673 of 1,289 places by risk. See the full county-by-county picture for New York on its state page.
Galway and the insurance market
Galway's moderate rating (22nd 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 Galway (100%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Galway's figures come from
The methodology guide shows exactly how USFS turned 100 counted buildings into the percentiles shown above for Galway. The exposure-zones guide covers what Galway's dominant direct exposure actually means, with real examples from across the dataset.