Oak Beach, NY
Oak Beach wildfire risk explained
Out of every US place USFS scores, Oak Beach lands at the 50th percentile for wildfire risk to structures — modestly above the national average for wildfire risk — a figure built from its 248 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Oak Beach's burn probability — fire likelihood with no building count factored in — sits at the 41st percentile nationally.
What "at risk" means for the buildings here
USFS classifies 84.3% of Oak Beach's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 15.7% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Oak Beach against the rest of the country
Within New York, Oak Beach ranks higher (94th percentile) than it does nationally (50th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Oak Beach ranks 15,824 for wildfire risk (1 is highest) and 23,215 by building count (1 is largest). Within New York alone, it ranks 76 of 1,289 places by risk. See the full county-by-county picture for New York on its state page.
Shopping for coverage in Oak Beach
At the 50th national percentile, Oak Beach rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Hardening a home in Oak Beach
With 84.3% of buildings rated Minimal exposure, Oak Beach gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Oak Beach's figures come from
The methodology guide shows exactly how USFS turned 248 counted buildings into the percentiles shown above for Oak Beach. The exposure-zones guide covers what Oak Beach's dominant minimal exposure actually means, with real examples from across the dataset.