Malone, NY
Malone wildfire risk explained
Malone sits at the 7th 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 2,642 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Malone at the 7th percentile, close to its 7th-percentile risk score.
Where Malone's buildings actually sit
USFS puts 60% of Malone's 2,642 buildings in the Indirect exposure zone, versus 18.4% Direct and 21.7% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
How Malone compares
There's little gap between Malone's 7th national percentile and its 11th percentile inside New York, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Malone ranks 29,476 for wildfire risk (1 is highest) and 6,031 by building count (1 is largest). Within New York alone, it ranks 1,149 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
Malone's low wildfire rating (7th 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.
Lowering exposure, not just insuring around it
With ember exposure the dominant pattern in Malone (60% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Malone's figures come from
Malone's 7th-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 Malone's dominant indirect exposure actually means, with real examples from across the dataset.