Oceanside, NY
How exposed is Oceanside to wildfire?
Out of every US place USFS scores, Oceanside lands at the 49th percentile for wildfire risk to structures — modestly above the national average for wildfire risk — a figure built from its 11,149 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Oceanside at the 43rd national percentile — 6 points below its risk-to-structures score, a gap driven by how much is actually built there.
Oceanside's building exposure, zone by zone
Only 0.5% of Oceanside's 11,149 buildings carry Direct exposure and 0% carry Indirect; the remaining 99.5% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure. At 11,149 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How Oceanside compares
Oceanside's 93rd-percentile standing inside New York outpaces its 49th 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, Oceanside ranks 16,078 for wildfire risk (1 is highest) and 1,421 by building count (1 is largest). Within New York alone, it ranks 91 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
At the 49th national percentile, Oceanside rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
What would actually reduce this score
Even with 99.5% of Oceanside 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.
Where Oceanside's figures come from
Oceanside's 49th-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 Oceanside's dominant minimal exposure actually means, with real examples from across the dataset.