Bay Park, NY
How exposed is Bay Park to wildfire?
USFS scores Bay Park at the 49th national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 1,062 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Bay Park at the 45th national percentile — 4 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
Bay Park rates 99.8% Minimal exposure against just 0.2% Direct and 0% Indirect — of 1,062 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Where Bay Park ranks
Bay Park's 94th-percentile standing inside New York outpaces its 49th 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, Bay Park ranks 15,979 for wildfire risk (1 is highest) and 11,508 by building count (1 is largest). Within New York alone, it ranks 83 of 1,289 places by risk. See the full county-by-county picture for New York on its state page.
Bay Park and the insurance market
Bay Park's elevated wildfire rating (49th 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 99.8% of buildings rated Minimal exposure, Bay Park gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Bay Park's figures come from
The methodology guide shows exactly how USFS turned 1,062 counted buildings into the percentiles shown above for Bay Park. The exposure-zones guide covers what Bay Park's dominant minimal exposure actually means, with real examples from across the dataset.