Shoreham, NY
Shoreham wildfire risk explained
Shoreham sits at the 55th percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 307 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Shoreham at the 50th percentile, close to its 55th-percentile risk score.
What "at risk" means for the buildings here
Of Shoreham's 307 counted buildings, 89.6% carry Direct exposure and only 7.8% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Shoreham against the rest of the country
Shoreham's 98th-percentile standing inside New York outpaces its 55th 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, Shoreham ranks 14,124 for wildfire risk (1 is highest) and 21,450 by building count (1 is largest). Within New York alone, it ranks 32 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 55th national percentile, Shoreham rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Hardening a home in Shoreham
Shoreham'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.
Where Shoreham's figures come from
Shoreham's 55th-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 Shoreham's dominant direct exposure actually means, with real examples from across the dataset.