Hillburn, NY
Hillburn, NY's wildfire risk, in USFS's own numbers
USFS scores Hillburn at the 50th national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 356 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Hillburn at the 48th national percentile — 2 points below its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
USFS puts 61.5% of Hillburn's 356 buildings in the Indirect exposure zone, versus 38.5% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Hillburn against the rest of the country
Compare Hillburn's two percentiles: 94th within New York, only 50th nationally — a gap of 44 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Hillburn ranks 15,891 for wildfire risk (1 is highest) and 20,164 by building count (1 is largest). Within New York alone, it ranks 80 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
Hillburn's elevated rating (50th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Hillburn's 61.5% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 356 counted buildings into the percentiles shown above for Hillburn. For more on what indirect exposure implies beyond Hillburn, see the exposure-zones guide.