Hamburg, NY
How exposed is Hamburg to wildfire?
USFS's Wildfire Risk to Communities model puts Hamburg at the 31st national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 4,568 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Hamburg at the 32nd national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Hamburg's buildings actually sit
57.3% of Hamburg's 4,568 buildings sit in USFS's Minimal exposure zone, with only 33.7% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Where Hamburg ranks
Within New York, Hamburg ranks higher (66th percentile) than it does nationally (31st) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Hamburg ranks 21,811 for wildfire risk (1 is highest) and 3,733 by building count (1 is largest). Within New York alone, it ranks 441 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
Hamburg's moderate wildfire rating (31st 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.
Hardening a home in Hamburg
Hamburg's 57.3% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
Hamburg's 31st-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Hamburg, see the exposure-zones guide.