Harbor Hills, NY
Harbor Hills, NY's wildfire risk, in USFS's own numbers
Harbor Hills sits at the 32nd percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 199 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Harbor Hills at the 34th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
90% of Harbor Hills's 199 buildings sit in USFS's Minimal exposure zone, with only 10.1% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
How Harbor Hills compares
Harbor Hills's 69th-percentile standing inside New York outpaces its 32nd 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, Harbor Hills ranks 21,399 for wildfire risk (1 is highest) and 24,897 by building count (1 is largest). Within New York alone, it ranks 397 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
Harbor Hills's moderate wildfire rating (32nd percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Hardening a home in Harbor Hills
Even with 90% of Harbor Hills outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where Harbor Hills's figures come from
Every one of the two percentiles behind Harbor Hills's 21,399-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Harbor Hills's dominant minimal exposure actually means, with real examples from across the dataset.