Asharoken, NY
Asharoken, NY's wildfire risk, in USFS's own numbers
Asharoken sits at the 30th 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 443 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Asharoken at the 29th percentile, close to its 30th-percentile risk score.
Asharoken's building exposure, zone by zone
Asharoken rates 45.6% Minimal exposure against just 31.4% Direct and 23% Indirect — of 443 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
How Asharoken compares
Compare Asharoken's two percentiles: 64th within New York, only 30th nationally — a gap of 34 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Asharoken ranks 21,999 for wildfire risk (1 is highest) and 18,401 by building count (1 is largest). Within New York alone, it ranks 459 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
At the 30th national percentile, Asharoken rates moderate for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
Asharoken's 45.6% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Asharoken's 21,999-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Asharoken, see the exposure-zones guide.