Huntington Bay, NY
Huntington Bay wildfire risk explained
USFS's Wildfire Risk to Communities model puts Huntington Bay at the 27th national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 801 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Huntington Bay at the 28th national percentile — 0 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
70.4% of Huntington Bay's 801 buildings sit in USFS's Direct exposure zone, roughly 564 structures close enough to burnable vegetation for flame contact, not just embers — 8.6% fall in the Indirect, ember-only zone and 21% are Minimal.
Where Huntington Bay ranks
Within New York, Huntington Bay ranks higher (57th percentile) than it does nationally (27th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Huntington Bay ranks 22,890 for wildfire risk (1 is highest) and 13,621 by building count (1 is largest). Within New York alone, it ranks 553 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
Huntington Bay's moderate rating (27th 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
With 70.4% of Huntington Bay in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Huntington Bay's figures come from
Every one of the two percentiles behind Huntington Bay's 22,890-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Huntington Bay's dominant direct exposure actually means, with real examples from across the dataset.