Ruby, NY
Ruby, NY's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Ruby at the 39th national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 441 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Ruby's burn probability — fire likelihood with no building count factored in — sits at the 39th percentile nationally.
What "at risk" means for the buildings here
441 buildings are counted in Ruby, and 71.7% 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.
How Ruby compares
Ruby's 83rd-percentile standing inside New York outpaces its 39th national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Ruby ranks 19,195 for wildfire risk (1 is highest) and 18,440 by building count (1 is largest). Within New York alone, it ranks 221 of 1,289 places by risk. See the full county-by-county picture for New York on its state page.
Shopping for coverage in Ruby
Ruby's moderate rating (39th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
With 71.7% of Ruby in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 441 counted buildings into the percentiles shown above for Ruby. For more on what direct exposure implies beyond Ruby, see the exposure-zones guide.