Islandia, NY
Islandia wildfire risk explained
Islandia sits at the 45th percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 1,174 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Islandia's burn probability — fire likelihood with no building count factored in — sits at the 40th percentile nationally.
Islandia's building exposure, zone by zone
1,174 buildings are counted in Islandia, and 53.8% of them are Indirect exposure — ember-driven risk rather than the 19.7% in Direct exposure or the 26.5% rated Minimal.
How Islandia compares
Within New York, Islandia ranks higher (90th percentile) than it does nationally (45th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Islandia ranks 17,401 for wildfire risk (1 is highest) and 10,805 by building count (1 is largest). Within New York alone, it ranks 135 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
At the 45th national percentile, Islandia rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
Because 53.8% of Islandia's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
Where Islandia's figures come from
Islandia's 45th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Islandia's dominant indirect exposure actually means, with real examples from across the dataset.