Wainscott, NY
Wainscott wildfire risk explained
USFS's Wildfire Risk to Communities model puts Wainscott at the 37th national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 1,483 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Wainscott at the 33rd national percentile — 4 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 classifies 74.2% of Wainscott's buildings as Direct exposure, higher than its 22.3% Indirect share and far above its 3.6% Minimal share — a profile where 1,100 structures sit close enough to vegetation that lot clearing matters most.
How Wainscott compares
Within New York, Wainscott ranks higher (80th percentile) than it does nationally (37th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Wainscott ranks 19,860 for wildfire risk (1 is highest) and 9,238 by building count (1 is largest). Within New York alone, it ranks 263 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
Wainscott's moderate wildfire rating (37th 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
Wainscott's 74.2% 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
The methodology guide shows exactly how USFS turned 1,483 counted buildings into the percentiles shown above for Wainscott. For more on what direct exposure implies beyond Wainscott, see the exposure-zones guide.