Wellsburg, NY
How exposed is Wellsburg to wildfire?
Wellsburg sits at the 38th percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 315 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Wellsburg at the 36th national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
Wellsburg's building exposure, zone by zone
315 buildings are counted in Wellsburg, and 64.8% 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.
Wellsburg against the rest of the country
Wellsburg's 81st-percentile standing inside New York outpaces its 38th 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, Wellsburg ranks 19,702 for wildfire risk (1 is highest) and 21,232 by building count (1 is largest). Within New York alone, it ranks 247 of 1,289 places by risk. See the full county-by-county picture for New York on its state page.
Shopping for coverage in Wellsburg
Wellsburg's moderate rating (38th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Wellsburg (64.8%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 315 counted buildings into the percentiles shown above for Wellsburg. For more on what direct exposure implies beyond Wellsburg, see the exposure-zones guide.