Troy, NY
Troy wildfire risk explained
Out of every US place USFS scores, Troy lands at the 15th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 14,099 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Troy at the 14th national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Troy rates 77.9% Minimal exposure against just 4% Direct and 18.1% Indirect — of 14,099 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually. At 14,099 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Troy against the rest of the country
Compare Troy's two percentiles: 35th within New York, only 15th nationally — a gap of 20 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Troy ranks 26,898 for wildfire risk (1 is highest) and 1,065 by building count (1 is largest). Within New York alone, it ranks 845 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
Troy's low wildfire rating (15th 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
Even with 77.9% of Troy outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where Troy's figures come from
Troy's 15th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Troy's dominant minimal exposure actually means, with real examples from across the dataset.