Eagle Bay, NY
How exposed is Eagle Bay to wildfire?
Out of every US place USFS scores, Eagle Bay lands at the 6th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 231 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Eagle Bay's burn probability — fire likelihood with no building count factored in — sits at the 6th percentile nationally.
What "at risk" means for the buildings here
84.4% of Eagle Bay's 231 buildings sit in USFS's Direct exposure zone, roughly 195 structures close enough to burnable vegetation for flame contact, not just embers — 11.7% fall in the Indirect, ember-only zone and 3.9% are Minimal.
Where Eagle Bay ranks
Eagle Bay's risk sits at a similar level relative to New York (8th percentile statewide) as it does nationally (6th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Eagle Bay ranks 29,727 for wildfire risk (1 is highest) and 23,772 by building count (1 is largest). Within New York alone, it ranks 1,179 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 6th national percentile, Eagle Bay rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
What would actually reduce this score
With 84.4% of Eagle Bay 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 Eagle Bay's figures come from
Every one of the two percentiles behind Eagle Bay's 29,727-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Eagle Bay's dominant direct exposure actually means, with real examples from across the dataset.