Hurley, NY
Hurley, NY's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Hurley at the 46th national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 1,629 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Hurley at the 46th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Hurley's building exposure, zone by zone
USFS classifies 79.4% of Hurley's buildings as Direct exposure, higher than its 14.2% Indirect share and far above its 6.4% Minimal share — a profile where 1,293 structures sit close enough to vegetation that lot clearing matters most.
How Hurley compares
Hurley's 91st-percentile standing inside New York outpaces its 46th national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Hurley ranks 17,054 for wildfire risk (1 is highest) and 8,655 by building count (1 is largest). Within New York alone, it ranks 122 of 1,289 places by risk. See the full county-by-county picture for New York on its state page.
Hurley and the insurance market
Hurley's elevated rating (46th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
Because Direct exposure dominates in Hurley (79.4%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Hurley's figures come from
Hurley's 46th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Hurley's dominant direct exposure actually means, with real examples from across the dataset.