Hunter, NY
How exposed is Hunter to wildfire?
USFS scores Hunter 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 678 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Hunter at the 25th percentile, close to its 24th-percentile risk score.
Where Hunter's buildings actually sit
76.8% of Hunter's 678 buildings sit in USFS's Direct exposure zone, roughly 521 structures close enough to burnable vegetation for flame contact, not just embers — 23.2% fall in the Indirect, ember-only zone and 0% are Minimal.
Hunter against the rest of the country
Compare Hunter'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, Hunter ranks 23,895 for wildfire risk (1 is highest) and 14,884 by building count (1 is largest). Within New York alone, it ranks 633 of 1,289 places by risk. See the full county-by-county picture for New York on its state page.
Hunter and the insurance market
Hunter's moderate rating (24th 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
Hunter's 76.8% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
Hunter'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 Hunter, see the exposure-zones guide.