North Haven, NY
How exposed is North Haven to wildfire?
North Haven sits at the 27th 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 991 counted buildings, not vegetation cover alone. (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 Haven at the 26th percentile, close to its 27th-percentile risk score.
North Haven's building exposure, zone by zone
66.5% of North Haven's 991 buildings sit in USFS's Direct exposure zone, roughly 659 structures close enough to burnable vegetation for flame contact, not just embers — 2.7% fall in the Indirect, ember-only zone and 30.8% are Minimal.
North Haven against the rest of the country
Within New York, North Haven ranks higher (56th percentile) than it does nationally (27th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, North Haven ranks 23,075 for wildfire risk (1 is highest) and 11,996 by building count (1 is largest). Within New York alone, it ranks 571 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 Haven's moderate wildfire rating (27th 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 Haven (66.5%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where North Haven's figures come from
North Haven's 27th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what North Haven's dominant direct exposure actually means, with real examples from across the dataset.