Town Line, NY
Town Line, NY's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Town Line lands at the 35th percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 1,283 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Town Line's burn probability — fire likelihood with no building count factored in — sits at the 36th percentile nationally.
Town Line's building exposure, zone by zone
1,283 buildings are counted in Town Line, and 94.4% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 5.2% rated Minimal.
Where Town Line ranks
Within New York, Town Line ranks higher (77th percentile) than it does nationally (35th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Town Line ranks 20,364 for wildfire risk (1 is highest) and 10,181 by building count (1 is largest). Within New York alone, it ranks 305 of 1,289 places by risk. See the full county-by-county picture for New York on its state page.
Town Line and the insurance market
Town Line's moderate wildfire rating (35th 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.
Lowering exposure, not just insuring around it
With 94.4% of Town Line 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.
Where Town Line's figures come from
Every one of the two percentiles behind Town Line's 20,364-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Town Line's dominant direct exposure actually means, with real examples from across the dataset.