Bay Shore, NY
Bay Shore, NY's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Bay Shore lands at the 35th percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 8,110 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Bay Shore at the 36th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
USFS classifies 94.1% of Bay Shore's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 5.9% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one. At 8,110 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Bay Shore against the rest of the country
Compare Bay Shore's two percentiles: 76th within New York, only 35th nationally — a gap of 41 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Bay Shore ranks 20,460 for wildfire risk (1 is highest) and 2,072 by building count (1 is largest). Within New York alone, it ranks 310 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
Bay Shore's moderate wildfire rating (35th 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.
Hardening a home in Bay Shore
With 94.1% of buildings rated Minimal exposure, Bay Shore gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
The methodology guide shows exactly how USFS turned 8,110 counted buildings into the percentiles shown above for Bay Shore. For more on what minimal exposure implies beyond Bay Shore, see the exposure-zones guide.