Chelsea Cove, NY
How exposed is Chelsea Cove to wildfire?
Chelsea Cove's 62 buildings earn a 36th-percentile wildfire-risk score nationally under USFS's model — close to the middle of USFS's national wildfire-risk range. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Chelsea Cove's burn probability — fire likelihood with no building count factored in — sits at the 35th percentile nationally.
What "at risk" means for the buildings here
USFS puts 74.2% of Chelsea Cove's 62 buildings in the Indirect exposure zone, versus 25.8% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Where Chelsea Cove ranks
Within New York, Chelsea Cove ranks higher (77th percentile) than it does nationally (36th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Chelsea Cove ranks 20,330 for wildfire risk (1 is highest) and 30,589 by building count (1 is largest). Within New York alone, it ranks 299 of 1,289 places by risk. See the full county-by-county picture for New York on its state page.
Chelsea Cove and the insurance market
Chelsea Cove's moderate rating (36th 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
Chelsea Cove's 74.2% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
Where Chelsea Cove's figures come from
The methodology guide shows exactly how USFS turned 62 counted buildings into the percentiles shown above for Chelsea Cove. The exposure-zones guide covers what Chelsea Cove's dominant indirect exposure actually means, with real examples from across the dataset.