North Bay Shore, NY
How exposed is North Bay Shore to wildfire?
USFS scores North Bay Shore at the 42nd national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 4,202 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, North Bay Shore's burn probability — fire likelihood with no building count factored in — sits at the 37th percentile nationally.
North Bay Shore's building exposure, zone by zone
93.9% of North Bay Shore's 4,202 buildings sit in USFS's Minimal exposure zone, with only 6.1% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Where North Bay Shore ranks
Compare North Bay Shore's two percentiles: 87th within New York, only 42nd nationally — a gap of 45 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, North Bay Shore ranks 18,253 for wildfire risk (1 is highest) and 4,057 by building count (1 is largest). Within New York alone, it ranks 165 of 1,289 places by risk. See the full county-by-county picture for New York on its state page.
Shopping for coverage in North Bay Shore
North Bay Shore's elevated wildfire rating (42nd 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.
Hardening a home in North Bay Shore
North Bay Shore's 93.9% 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 North Bay Shore's figures come from
The methodology guide shows exactly how USFS turned 4,202 counted buildings into the percentiles shown above for North Bay Shore. The exposure-zones guide covers what North Bay Shore's dominant minimal exposure actually means, with real examples from across the dataset.