Belle Terre, NY
Belle Terre, NY's wildfire risk, in USFS's own numbers
Belle Terre sits at the 32nd 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 418 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Belle Terre's burn probability — fire likelihood with no building count factored in — sits at the 33rd percentile nationally.
Belle Terre's building exposure, zone by zone
Of Belle Terre's 418 counted buildings, 98.3% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Belle Terre against the rest of the country
Belle Terre's 69th-percentile standing inside New York outpaces its 32nd 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, Belle Terre ranks 21,431 for wildfire risk (1 is highest) and 18,862 by building count (1 is largest). Within New York alone, it ranks 399 of 1,289 places by risk. See the full county-by-county picture for New York on its state page.
Belle Terre and the insurance market
Belle Terre's moderate rating (32nd percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
With 98.3% of Belle Terre in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Belle Terre's figures come from
The methodology guide shows exactly how USFS turned 418 counted buildings into the percentiles shown above for Belle Terre. The exposure-zones guide covers what Belle Terre's dominant direct exposure actually means, with real examples from across the dataset.