Northwest Harbor, NY
How exposed is Northwest Harbor to wildfire?
USFS's Wildfire Risk to Communities model puts Northwest Harbor at the 33rd national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 4,211 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Northwest Harbor's burn probability — fire likelihood with no building count factored in — sits at the 29th percentile nationally.
Where Northwest Harbor's buildings actually sit
USFS classifies 92.7% of Northwest Harbor's buildings as Direct exposure, higher than its 5.5% Indirect share and far above its 1.8% Minimal share — a profile where 3,903 structures sit close enough to vegetation that lot clearing matters most.
Northwest Harbor against the rest of the country
Within New York, Northwest Harbor ranks higher (72nd percentile) than it does nationally (33rd) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Northwest Harbor ranks 21,025 for wildfire risk (1 is highest) and 4,047 by building count (1 is largest). Within New York alone, it ranks 364 of 1,289 places by risk. See the full county-by-county picture for New York on its state page.
Shopping for coverage in Northwest Harbor
Northwest Harbor's moderate rating (33rd percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Northwest Harbor
With 92.7% of Northwest Harbor in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
More on how this number was built
Northwest Harbor's 33rd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Northwest Harbor, see the exposure-zones guide.