Hemlock, NY
Hemlock wildfire risk explained
Hemlock sits at the 19th 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 321 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Hemlock's burn probability — fire likelihood with no building count factored in — sits at the 18th percentile nationally.
Hemlock's building exposure, zone by zone
Of Hemlock's 321 counted buildings, 85.1% 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.
Where Hemlock ranks
Within New York, Hemlock ranks higher (44th percentile) than it does nationally (19th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Hemlock ranks 25,505 for wildfire risk (1 is highest) and 21,066 by building count (1 is largest). Within New York alone, it ranks 729 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
Hemlock's low wildfire rating (19th 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 Hemlock
Because Direct exposure dominates in Hemlock (85.1%), 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
Hemlock's 19th-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 Hemlock, see the exposure-zones guide.