Monomoscoy Island, MA
How exposed is Monomoscoy Island to wildfire?
USFS scores Monomoscoy Island at the 26th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 191 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Monomoscoy Island's burn probability — fire likelihood with no building count factored in — sits at the 19th percentile nationally.
What "at risk" means for the buildings here
Most of Monomoscoy Island's buildings (85.9% of 191) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
Monomoscoy Island against the rest of the country
Compare Monomoscoy Island's two percentiles: 51st within Massachusetts, only 26th nationally — a gap of 25 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Monomoscoy Island ranks 23,291 for wildfire risk (1 is highest) and 25,202 by building count (1 is largest). Within Massachusetts alone, it ranks 123 of 248 places by risk. See the full county-by-county picture for Massachusetts on its state page.
What this risk score means for insurance
Monomoscoy Island's moderate wildfire rating (26th 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
Monomoscoy Island's 85.9% 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.
Where Monomoscoy Island's figures come from
Every one of the two percentiles behind Monomoscoy Island's 23,291-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Monomoscoy Island's dominant minimal exposure actually means, with real examples from across the dataset.