Crystal Beach, NY
Crystal Beach, NY's wildfire risk, in USFS's own numbers
Crystal Beach's 501 buildings earn a 9th-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Crystal Beach's burn probability — fire likelihood with no building count factored in — sits at the 8th percentile nationally.
Where Crystal Beach's buildings actually sit
USFS classifies 50.1% of Crystal Beach's buildings as Direct exposure, higher than its 0% Indirect share and far above its 49.9% Minimal share — a profile where 251 structures sit close enough to vegetation that lot clearing matters most.
Crystal Beach against the rest of the country
Crystal Beach's risk sits at a similar level relative to New York (20th percentile statewide) as it does nationally (9th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Crystal Beach ranks 28,748 for wildfire risk (1 is highest) and 17,339 by building count (1 is largest). Within New York alone, it ranks 1,033 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
At the 9th national percentile, Crystal Beach rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Crystal Beach (50.1%), 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
Every one of the two percentiles behind Crystal Beach's 28,748-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Crystal Beach, see the exposure-zones guide.