Harbor Isle, NY
How exposed is Harbor Isle to wildfire?
Harbor Isle's 517 buildings earn a 56th-percentile wildfire-risk score nationally under USFS's model — modestly above the national average for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Harbor Isle at the 49th national percentile — 8 points below its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Harbor Isle rates 100% Minimal exposure against just 0% Direct and 0% Indirect — of 517 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Harbor Isle against the rest of the country
Within New York, Harbor Isle ranks higher (98th percentile) than it does nationally (56th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Harbor Isle ranks 13,713 for wildfire risk (1 is highest) and 17,075 by building count (1 is largest). Within New York alone, it ranks 26 of 1,289 places by risk. See the full county-by-county picture for New York on its state page.
Shopping for coverage in Harbor Isle
Harbor Isle's elevated wildfire rating (56th 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 Isle
Harbor Isle's 100% 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 517 counted buildings into the percentiles shown above for Harbor Isle. For more on what minimal exposure implies beyond Harbor Isle, see the exposure-zones guide.