Three Mile Bay, NY
Three Mile Bay wildfire risk explained
Three Mile Bay's 171 buildings earn a 12th-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Three Mile Bay at the 12th percentile, close to its 12th-percentile risk score.
Where Three Mile Bay's buildings actually sit
Most of Three Mile Bay's buildings (66.1%) sit in the Indirect zone, where wind-blown embers rather than flame front are the mechanism USFS is scoring — ember-resistant vents and non-combustible roofing are the interventions this pattern favors, more than defensible space alone.
Where Three Mile Bay ranks
Within New York, Three Mile Bay ranks higher (29th percentile) than it does nationally (12th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Three Mile Bay ranks 27,746 for wildfire risk (1 is highest) and 25,993 by building count (1 is largest). Within New York alone, it ranks 914 of 1,289 places by risk. See the full county-by-county picture for New York on its state page.
Shopping for coverage in Three Mile Bay
Three Mile Bay's low wildfire rating (12th 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.
What would actually reduce this score
Because 66.1% of Three Mile Bay'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.
More on how this number was built
Three Mile Bay's 12th-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 Three Mile Bay, see the exposure-zones guide.