Sands Point, NY
How exposed is Sands Point to wildfire?
USFS's Wildfire Risk to Communities model puts Sands Point at the 30th national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 1,382 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 Sands Point at the 30th percentile, close to its 30th-percentile risk score.
Where Sands Point's buildings actually sit
89.6% of Sands Point's 1,382 buildings sit in USFS's Direct exposure zone, roughly 1,238 structures close enough to burnable vegetation for flame contact, not just embers — 7.1% fall in the Indirect, ember-only zone and 3.3% are Minimal.
Sands Point against the rest of the country
Compare Sands Point's two percentiles: 64th within New York, only 30th nationally — a gap of 34 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Sands Point ranks 22,064 for wildfire risk (1 is highest) and 9,704 by building count (1 is largest). Within New York alone, it ranks 465 of 1,289 places by risk. See the full county-by-county picture for New York on its state page.
Sands Point and the insurance market
Sands Point's moderate wildfire rating (30th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Lowering exposure, not just insuring around it
Sands Point's 89.6% 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
Sands Point's 30th-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 Sands Point, see the exposure-zones guide.