Ridge, NY
Ridge, NY's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Ridge lands at the 63rd percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 5,289 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Ridge at the 56th percentile, close to its 63rd-percentile risk score.
Where Ridge's buildings actually sit
5,289 buildings are counted in Ridge, and 53.2% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal. At 5,289 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Ridge ranks
Within New York, Ridge ranks higher (99th percentile) than it does nationally (63rd) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Ridge ranks 11,635 for wildfire risk (1 is highest) and 3,260 by building count (1 is largest). Within New York alone, it ranks 11 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 63rd percentile nationally, Ridge carries the high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Lowering exposure, not just insuring around it
Ridge's 53.2% 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 Ridge's figures come from
The methodology guide shows exactly how USFS turned 5,289 counted buildings into the percentiles shown above for Ridge. The exposure-zones guide covers what Ridge's dominant direct exposure actually means, with real examples from across the dataset.