East Atlantic Beach, NY
How exposed is East Atlantic Beach to wildfire?
USFS's Wildfire Risk to Communities model puts East Atlantic Beach at the 61st national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 904 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts East Atlantic Beach at the 54th percentile, close to its 61st-percentile risk score.
What "at risk" means for the buildings here
Most of East Atlantic Beach's buildings (99.9% of 904) 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.
East Atlantic Beach against the rest of the country
East Atlantic Beach's 99th-percentile standing inside New York outpaces its 61st national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, East Atlantic Beach ranks 12,456 for wildfire risk (1 is highest) and 12,688 by building count (1 is largest). Within New York alone, it ranks 18 of 1,289 places by risk. See the full county-by-county picture for New York on its state page.
East Atlantic Beach and the insurance market
At the 61st percentile nationally, East Atlantic Beach carries the high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Lowering exposure, not just insuring around it
East Atlantic Beach's 99.9% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 904 counted buildings into the percentiles shown above for East Atlantic Beach. For more on what minimal exposure implies beyond East Atlantic Beach, see the exposure-zones guide.