Wading River, NY
How exposed is Wading River to wildfire?
USFS's Wildfire Risk to Communities model puts Wading River at the 56th national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 4,070 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Wading River at the 51st national percentile — 5 points below its risk-to-structures score, a gap driven by how much is actually built there.
Wading River's building exposure, zone by zone
Direct exposure dominates in Wading River: 57.9% of its 4,070 buildings, versus 41.4% Indirect and 0.8% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Wading River against the rest of the country
Within New York, Wading River ranks higher (98th percentile) than it does nationally (56th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Wading River ranks 13,874 for wildfire risk (1 is highest) and 4,170 by building count (1 is largest). Within New York alone, it ranks 28 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
Wading River's elevated wildfire rating (56th 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.
Hardening a home in Wading River
With 57.9% of Wading River in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Wading River's figures come from
Every one of the two percentiles behind Wading River's 13,874-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Wading River's dominant direct exposure actually means, with real examples from across the dataset.