Fishers Island, NY
Fishers Island, NY's wildfire risk, in USFS's own numbers
Fishers Island sits at the 14th percentile nationally for wildfire risk to structures — among the lower wildfire-risk places nationally — per USFS's Wildfire Risk to Communities model, built from its 863 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Fishers Island at the 12th national percentile — 2 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Fishers Island's buildings actually sit
Direct exposure dominates in Fishers Island: 62.5% of its 863 buildings, versus 0% Indirect and 37.5% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where Fishers Island ranks
Compare Fishers Island's two percentiles: 33rd within New York, only 14th nationally — a gap of 20 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Fishers Island ranks 27,235 for wildfire risk (1 is highest) and 13,049 by building count (1 is largest). Within New York alone, it ranks 861 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
Fishers Island's low rating (14th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
Fishers Island's 62.5% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
The methodology guide shows exactly how USFS turned 863 counted buildings into the percentiles shown above for Fishers Island. For more on what direct exposure implies beyond Fishers Island, see the exposure-zones guide.