Mill Neck, NY
Mill Neck, NY's wildfire risk, in USFS's own numbers
Mill Neck sits at the 36th percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 617 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Mill Neck at the 36th national percentile — 0 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Mill Neck's buildings actually sit
94.3% of Mill Neck's 617 buildings sit in USFS's Direct exposure zone, roughly 582 structures close enough to burnable vegetation for flame contact, not just embers — 2.8% fall in the Indirect, ember-only zone and 2.9% are Minimal.
Mill Neck against the rest of the country
Within New York, Mill Neck ranks higher (79th percentile) than it does nationally (36th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Mill Neck ranks 20,049 for wildfire risk (1 is highest) and 15,609 by building count (1 is largest). Within New York alone, it ranks 279 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
Mill Neck's moderate wildfire rating (36th 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.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Mill Neck (94.3%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Mill Neck's figures come from
Every one of the two percentiles behind Mill Neck's 20,049-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Mill Neck's dominant direct exposure actually means, with real examples from across the dataset.