Mastic Beach, NY
How exposed is Mastic Beach to wildfire?
Out of every US place USFS scores, Mastic Beach lands at the 40th percentile for wildfire risk to structures — modestly above the national average for wildfire risk — a figure built from its 6,059 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Mastic Beach at the 40th national percentile — 0 points below its risk-to-structures score, a gap driven by how much is actually built there.
Mastic Beach's building exposure, zone by zone
Only 24.5% of Mastic Beach's 6,059 buildings carry Direct exposure and 14.7% carry Indirect; the remaining 60.8% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure. At 6,059 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How Mastic Beach compares
Within New York, Mastic Beach ranks higher (85th percentile) than it does nationally (40th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Mastic Beach ranks 18,881 for wildfire risk (1 is highest) and 2,856 by building count (1 is largest). Within New York alone, it ranks 199 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
Mastic Beach's elevated wildfire rating (40th 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.
What would actually reduce this score
Mastic Beach's 60.8% 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
Mastic Beach's 40th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Mastic Beach, see the exposure-zones guide.