Hadley, NY
Hadley, NY's wildfire risk, in USFS's own numbers
USFS scores Hadley at the 24th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 664 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Hadley's burn probability — fire likelihood with no building count factored in — sits at the 25th percentile nationally.
Where Hadley's buildings actually sit
60.2% of Hadley's 664 buildings sit in USFS's Direct exposure zone, roughly 400 structures close enough to burnable vegetation for flame contact, not just embers — 39.8% fall in the Indirect, ember-only zone and 0% are Minimal.
How Hadley compares
Compare Hadley's two percentiles: 51st within New York, only 24th nationally — a gap of 27 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Hadley ranks 23,867 for wildfire risk (1 is highest) and 15,018 by building count (1 is largest). Within New York alone, it ranks 632 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
At the 24th national percentile, Hadley rates moderate for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Hardening a home in Hadley
With 60.2% of Hadley in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
More on how this number was built
Hadley's 24th-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 Hadley, see the exposure-zones guide.