Middleburgh, NY
Middleburgh, NY's wildfire risk, in USFS's own numbers
Middleburgh's 736 buildings earn a 16th-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Middleburgh at the 16th national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
Middleburgh's building exposure, zone by zone
Direct exposure dominates in Middleburgh: 53% of its 736 buildings, versus 47% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
How Middleburgh compares
Within New York, Middleburgh ranks higher (38th percentile) than it does nationally (16th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Middleburgh ranks 26,412 for wildfire risk (1 is highest) and 14,261 by building count (1 is largest). Within New York alone, it ranks 802 of 1,289 places by risk. See the full county-by-county picture for New York on its state page.
Middleburgh and the insurance market
Middleburgh's low wildfire rating (16th 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
Because Direct exposure dominates in Middleburgh (53%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Middleburgh's figures come from
Middleburgh's 16th-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 Middleburgh's dominant direct exposure actually means, with real examples from across the dataset.