Union Springs, NY
How exposed is Union Springs to wildfire?
USFS scores Union Springs at the 3rd national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 629 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Union Springs's burn probability — fire likelihood with no building count factored in — sits at the 3rd percentile nationally.
What "at risk" means for the buildings here
USFS classifies 53.4% of Union Springs's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 46.6% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Where Union Springs ranks
There's little gap between Union Springs's 3rd national percentile and its 1st percentile inside New York, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Union Springs ranks 30,646 for wildfire risk (1 is highest) and 15,458 by building count (1 is largest). Within New York alone, it ranks 1,275 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
Union Springs's low wildfire rating (3rd 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 53.4% of buildings rated Minimal exposure, Union Springs gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Union Springs's figures come from
Every one of the two percentiles behind Union Springs's 30,646-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Union Springs's dominant minimal exposure actually means, with real examples from across the dataset.