North Patchogue, NY
North Patchogue, NY's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, North Patchogue lands at the 41st percentile for wildfire risk to structures — modestly above the national average for wildfire risk — a figure built from its 2,749 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, North Patchogue's burn probability — fire likelihood with no building count factored in — sits at the 40th percentile nationally.
What "at risk" means for the buildings here
Only 14.5% of North Patchogue's 2,749 buildings carry Direct exposure and 0% carry Indirect; the remaining 85.5% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Where North Patchogue ranks
Compare North Patchogue's two percentiles: 86th within New York, only 41st 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 Patchogue ranks 18,503 for wildfire risk (1 is highest) and 5,851 by building count (1 is largest). Within New York alone, it ranks 177 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 Patchogue's elevated wildfire rating (41st 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
Even with 85.5% of North Patchogue outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 2,749 counted buildings into the percentiles shown above for North Patchogue. For more on what minimal exposure implies beyond North Patchogue, see the exposure-zones guide.