Oyster Bay Cove, NY
Oyster Bay Cove wildfire risk explained
USFS scores Oyster Bay Cove at the 36th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 1,128 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Oyster Bay Cove at the 36th percentile, close to its 36th-percentile risk score.
Where Oyster Bay Cove's buildings actually sit
USFS classifies 97.6% of Oyster Bay Cove's buildings as Direct exposure, higher than its 2.2% Indirect share and far above its 0.2% Minimal share — a profile where 1,101 structures sit close enough to vegetation that lot clearing matters most.
Where Oyster Bay Cove ranks
Compare Oyster Bay Cove's two percentiles: 78th within New York, only 36th nationally — a gap of 42 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Oyster Bay Cove ranks 20,139 for wildfire risk (1 is highest) and 11,095 by building count (1 is largest). Within New York alone, it ranks 288 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 36th national percentile, Oyster Bay Cove rates moderate 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
Oyster Bay Cove's 97.6% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
Oyster Bay Cove's 36th-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 Oyster Bay Cove, see the exposure-zones guide.