Prospect, NY
Prospect wildfire risk explained
Prospect's 200 buildings earn a 6th-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Prospect's burn probability — fire likelihood with no building count factored in — sits at the 6th percentile nationally.
Where Prospect's buildings actually sit
Direct exposure dominates in Prospect: 95% of its 200 buildings, versus 5% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Prospect against the rest of the country
There's little gap between Prospect's 6th national percentile and its 9th 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, Prospect ranks 29,733 for wildfire risk (1 is highest) and 24,852 by building count (1 is largest). Within New York alone, it ranks 1,185 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
At the 6th national percentile, Prospect rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
Prospect's 95% 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
Every one of the two percentiles behind Prospect's 29,733-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Prospect, see the exposure-zones guide.