Shrub Oak, NY
How exposed is Shrub Oak to wildfire?
USFS scores Shrub Oak at the 37th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 676 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Shrub Oak at the 36th national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
USFS puts 53.6% of Shrub Oak's 676 buildings in the Indirect exposure zone, versus 46.5% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Where Shrub Oak ranks
Compare Shrub Oak's two percentiles: 79th within New York, only 37th nationally — a gap of 42 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Shrub Oak ranks 19,953 for wildfire risk (1 is highest) and 14,910 by building count (1 is largest). Within New York alone, it ranks 271 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 37th national percentile, Shrub Oak rates moderate 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 Shrub Oak
With ember exposure the dominant pattern in Shrub Oak (53.6% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
Shrub Oak's 37th-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 Shrub Oak, see the exposure-zones guide.