Ripley, NY
How exposed is Ripley to wildfire?
USFS's Wildfire Risk to Communities model puts Ripley at the 29th national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 559 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Ripley's burn probability — fire likelihood with no building count factored in — sits at the 28th percentile nationally.
What "at risk" means for the buildings here
Most of Ripley's buildings (58.9%) sit in the Indirect zone, where wind-blown embers rather than flame front are the mechanism USFS is scoring — ember-resistant vents and non-combustible roofing are the interventions this pattern favors, more than defensible space alone.
Where Ripley ranks
Within New York, Ripley ranks higher (60th percentile) than it does nationally (29th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Ripley ranks 22,478 for wildfire risk (1 is highest) and 16,428 by building count (1 is largest). Within New York alone, it ranks 517 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
Ripley's moderate rating (29th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Because 58.9% of Ripley's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
Where Ripley's figures come from
Every one of the two percentiles behind Ripley's 22,478-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Ripley's dominant indirect exposure actually means, with real examples from across the dataset.