Head of the Harbor, NY
Head of the Harbor wildfire risk explained
USFS scores Head of the Harbor at the 35th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 862 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Head of the Harbor at the 37th percentile, close to its 35th-percentile risk score.
Where Head of the Harbor's buildings actually sit
83% of Head of the Harbor's 862 buildings sit in USFS's Direct exposure zone, roughly 715 structures close enough to burnable vegetation for flame contact, not just embers — 17.1% fall in the Indirect, ember-only zone and 0% are Minimal.
How Head of the Harbor compares
Head of the Harbor's 77th-percentile standing inside New York outpaces its 35th 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, Head of the Harbor ranks 20,362 for wildfire risk (1 is highest) and 13,061 by building count (1 is largest). Within New York alone, it ranks 303 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
Head of the Harbor's moderate rating (35th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Head of the Harbor (83%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
Head of the Harbor's 35th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Head of the Harbor, see the exposure-zones guide.