Cove Neck, NY
How exposed is Cove Neck to wildfire?
USFS scores Cove Neck at the 37th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 242 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Cove Neck at the 36th national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
Cove Neck's building exposure, zone by zone
99.2% of Cove Neck's 242 buildings sit in USFS's Direct exposure zone, roughly 240 structures close enough to burnable vegetation for flame contact, not just embers — 0% fall in the Indirect, ember-only zone and 0.8% are Minimal.
Where Cove Neck ranks
Compare Cove Neck's two percentiles: 79th within New York, only 37th nationally — a gap of 43 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Cove Neck ranks 19,951 for wildfire risk (1 is highest) and 23,395 by building count (1 is largest). Within New York alone, it ranks 269 of 1,289 places by risk. See the full county-by-county picture for New York on its state page.
Cove Neck and the insurance market
Cove Neck's moderate rating (37th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
With 99.2% of Cove Neck 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 Cove Neck's figures come from
The methodology guide shows exactly how USFS turned 242 counted buildings into the percentiles shown above for Cove Neck. The exposure-zones guide covers what Cove Neck's dominant direct exposure actually means, with real examples from across the dataset.