Sag Harbor, NY
Sag Harbor, NY's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Sag Harbor at the 36th national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 2,240 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Sag Harbor at the 33rd percentile, close to its 36th-percentile risk score.
Sag Harbor's building exposure, zone by zone
73% of Sag Harbor's 2,240 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 25% Direct and 2% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
Where Sag Harbor ranks
Compare Sag Harbor's two percentiles: 77th within New York, only 36th nationally — a gap of 41 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Sag Harbor ranks 20,207 for wildfire risk (1 is highest) and 6,837 by building count (1 is largest). Within New York alone, it ranks 294 of 1,289 places by risk. See the full county-by-county picture for New York on its state page.
Shopping for coverage in Sag Harbor
Sag Harbor's moderate rating (36th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
Sag Harbor's 73% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
More on how this number was built
Sag Harbor'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 indirect exposure implies beyond Sag Harbor, see the exposure-zones guide.