Commack, NY
How exposed is Commack to wildfire?
Commack's 12,794 buildings earn a 31st-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.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Commack at the 31st percentile, close to its 31st-percentile risk score.
What "at risk" means for the buildings here
Most of Commack's buildings (81.4% of 12,794) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure. At 12,794 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Commack against the rest of the country
Within New York, Commack ranks higher (67th percentile) than it does nationally (31st) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Commack ranks 21,622 for wildfire risk (1 is highest) and 1,194 by building count (1 is largest). Within New York alone, it ranks 421 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
Commack's moderate wildfire rating (31st 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 Commack
Even with 81.4% of Commack outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where Commack's figures come from
Commack's 31st-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Commack's dominant minimal exposure actually means, with real examples from across the dataset.