Valhalla, NY
Valhalla wildfire risk explained
USFS scores Valhalla at the 33rd national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 1,186 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Valhalla's burn probability — fire likelihood with no building count factored in — sits at the 32nd percentile nationally.
Where Valhalla's buildings actually sit
USFS puts 55% of Valhalla's 1,186 buildings in the Indirect exposure zone, versus 13.1% Direct and 32% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Valhalla against the rest of the country
Within New York, Valhalla ranks higher (72nd percentile) than it does nationally (33rd) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Valhalla ranks 21,060 for wildfire risk (1 is highest) and 10,734 by building count (1 is largest). Within New York alone, it ranks 367 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
Valhalla's moderate wildfire rating (33rd 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
Because 55% of Valhalla'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.
More on how this number was built
The methodology guide shows exactly how USFS turned 1,186 counted buildings into the percentiles shown above for Valhalla. For more on what indirect exposure implies beyond Valhalla, see the exposure-zones guide.