North Bay, NY
North Bay wildfire risk explained
North Bay's 340 buildings earn a 8th-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts North Bay at the 8th percentile, close to its 8th-percentile risk score.
North Bay's building exposure, zone by zone
Of North Bay's 340 counted buildings, 94.7% carry Direct exposure and only 5.3% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
North Bay against the rest of the country
There's little gap between North Bay's 8th national percentile and its 19th percentile inside New York, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, North Bay ranks 28,880 for wildfire risk (1 is highest) and 20,579 by building count (1 is largest). Within New York alone, it ranks 1,050 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
North Bay's low wildfire rating (8th 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
Because Direct exposure dominates in North Bay (94.7%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where North Bay's figures come from
The methodology guide shows exactly how USFS turned 340 counted buildings into the percentiles shown above for North Bay. The exposure-zones guide covers what North Bay's dominant direct exposure actually means, with real examples from across the dataset.