Remsenburg-Speonk, NY
Remsenburg-Speonk, NY's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Remsenburg-Speonk at the 63rd national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 2,155 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Remsenburg-Speonk's burn probability — fire likelihood with no building count factored in — sits at the 54th percentile nationally.
What "at risk" means for the buildings here
2,155 buildings are counted in Remsenburg-Speonk, and 45.4% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 43.5% rated Minimal.
How Remsenburg-Speonk compares
Remsenburg-Speonk's 99th-percentile standing inside New York outpaces its 63rd 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, Remsenburg-Speonk ranks 11,606 for wildfire risk (1 is highest) and 7,056 by building count (1 is largest). Within New York alone, it ranks 10 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 63rd percentile nationally, Remsenburg-Speonk carries the high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
What would actually reduce this score
Remsenburg-Speonk's 45.4% 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.
Where Remsenburg-Speonk's figures come from
Remsenburg-Speonk's 63rd-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 Remsenburg-Speonk's dominant direct exposure actually means, with real examples from across the dataset.