Guilford, NY
Guilford, NY's wildfire risk, in USFS's own numbers
USFS scores Guilford at the 15th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 475 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Guilford's burn probability — fire likelihood with no building count factored in — sits at the 15th percentile nationally.
Guilford's building exposure, zone by zone
96.8% of Guilford's 475 buildings sit in USFS's Direct exposure zone, roughly 460 structures close enough to burnable vegetation for flame contact, not just embers — 3% fall in the Indirect, ember-only zone and 0.2% are Minimal.
How Guilford compares
Within New York, Guilford ranks higher (35th percentile) than it does nationally (15th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Guilford ranks 26,761 for wildfire risk (1 is highest) and 17,801 by building count (1 is largest). Within New York alone, it ranks 832 of 1,289 places by risk. See the full county-by-county picture for New York on its state page.
Guilford and the insurance market
Guilford's low wildfire rating (15th 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
Because Direct exposure dominates in Guilford (96.8%), 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
Guilford'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 Guilford, see the exposure-zones guide.