Ocean Beach, NY
Ocean Beach wildfire risk explained
Ocean Beach's 624 buildings earn a 41st-percentile wildfire-risk score nationally under USFS's model — modestly above the national average for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Ocean Beach at the 31st national percentile — 10 points below its risk-to-structures score, a gap driven by how much is actually built there.
Ocean Beach's building exposure, zone by zone
USFS classifies 99.5% of Ocean Beach's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 0.5% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Ocean Beach against the rest of the country
Ocean Beach's 86th-percentile standing inside New York outpaces its 41st national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Ocean Beach ranks 18,504 for wildfire risk (1 is highest) and 15,510 by building count (1 is largest). Within New York alone, it ranks 178 of 1,289 places by risk. See the full county-by-county picture for New York on its state page.
Shopping for coverage in Ocean Beach
Ocean Beach'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
Ocean Beach's 99.5% 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 Ocean Beach's figures come from
The methodology guide shows exactly how USFS turned 624 counted buildings into the percentiles shown above for Ocean Beach. The exposure-zones guide covers what Ocean Beach's dominant minimal exposure actually means, with real examples from across the dataset.