Richville, NY
How exposed is Richville to wildfire?
USFS's Wildfire Risk to Communities model puts Richville at the 11th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 191 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Richville at the 11th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Richville's building exposure, zone by zone
Direct exposure dominates in Richville: 83.8% of its 191 buildings, versus 16.2% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
How Richville compares
Within New York, Richville ranks higher (27th percentile) than it does nationally (11th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Richville ranks 27,995 for wildfire risk (1 is highest) and 25,213 by building count (1 is largest). Within New York alone, it ranks 942 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
Richville's low wildfire rating (11th 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.
What would actually reduce this score
Richville's 83.8% 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.
Where Richville's figures come from
The methodology guide shows exactly how USFS turned 191 counted buildings into the percentiles shown above for Richville. The exposure-zones guide covers what Richville's dominant direct exposure actually means, with real examples from across the dataset.