Rocky Point, NY
How exposed is Rocky Point to wildfire?
USFS scores Rocky Point at the 62nd national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 5,696 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Rocky Point's burn probability — fire likelihood with no building count factored in — sits at the 53rd percentile nationally.
What "at risk" means for the buildings here
5,696 buildings are counted in Rocky Point, and 46.2% of them are Indirect exposure — ember-driven risk rather than the 34.5% in Direct exposure or the 19.2% rated Minimal. At 5,696 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Rocky Point against the rest of the country
Within New York, Rocky Point ranks higher (99th percentile) than it does nationally (62nd) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Rocky Point ranks 12,047 for wildfire risk (1 is highest) and 3,036 by building count (1 is largest). Within New York alone, it ranks 14 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
Rocky Point's high rating (62nd percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
What would actually reduce this score
Because 46.2% of Rocky Point's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
Where Rocky Point's figures come from
Rocky Point's 62nd-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 Rocky Point's dominant indirect exposure actually means, with real examples from across the dataset.