Westhampton Beach, NY
How exposed is Westhampton Beach to wildfire?
Out of every US place USFS scores, Westhampton Beach lands at the 52nd percentile for wildfire risk to structures — modestly above the national average for wildfire risk — a figure built from its 2,503 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Westhampton Beach at the 46th percentile, close to its 52nd-percentile risk score.
Westhampton Beach's building exposure, zone by zone
Most of Westhampton Beach's buildings (58.8% of 2,503) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
How Westhampton Beach compares
Compare Westhampton Beach's two percentiles: 97th within New York, only 52nd nationally — a gap of 44 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Westhampton Beach ranks 15,005 for wildfire risk (1 is highest) and 6,291 by building count (1 is largest). Within New York alone, it ranks 46 of 1,289 places by risk. See the full county-by-county picture for New York on its state page.
Westhampton Beach and the insurance market
At the 52nd national percentile, Westhampton Beach rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
With 58.8% of buildings rated Minimal exposure, Westhampton Beach gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Westhampton Beach's figures come from
The methodology guide shows exactly how USFS turned 2,503 counted buildings into the percentiles shown above for Westhampton Beach. The exposure-zones guide covers what Westhampton Beach's dominant minimal exposure actually means, with real examples from across the dataset.