Brookhaven, NY
Brookhaven, NY's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Brookhaven at the 51st national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 1,698 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Brookhaven at the 47th percentile, close to its 51st-percentile risk score.
Where Brookhaven's buildings actually sit
USFS classifies 70.1% of Brookhaven's buildings as Direct exposure, higher than its 28.7% Indirect share and far above its 1.2% Minimal share — a profile where 1,190 structures sit close enough to vegetation that lot clearing matters most.
Where Brookhaven ranks
Brookhaven's 95th-percentile standing inside New York outpaces its 51st 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, Brookhaven ranks 15,543 for wildfire risk (1 is highest) and 8,425 by building count (1 is largest). Within New York alone, it ranks 59 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
Brookhaven's elevated wildfire rating (51st 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
Because Direct exposure dominates in Brookhaven (70.1%), 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 1,698 counted buildings into the percentiles shown above for Brookhaven. For more on what direct exposure implies beyond Brookhaven, see the exposure-zones guide.