Highland-on-the-Lake, NY
How exposed is Highland-on-the-Lake to wildfire?
USFS's Wildfire Risk to Communities model puts Highland-on-the-Lake at the 40th national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 1,658 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Highland-on-the-Lake at the 39th percentile, close to its 40th-percentile risk score.
Highland-on-the-Lake's building exposure, zone by zone
USFS classifies 56.8% of Highland-on-the-Lake's buildings as Direct exposure, higher than its 0% Indirect share and far above its 43.2% Minimal share — a profile where 941 structures sit close enough to vegetation that lot clearing matters most.
Highland-on-the-Lake against the rest of the country
Highland-on-the-Lake's 85th-percentile standing inside New York outpaces its 40th national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Highland-on-the-Lake ranks 18,911 for wildfire risk (1 is highest) and 8,567 by building count (1 is largest). Within New York alone, it ranks 200 of 1,289 places by risk. See the full county-by-county picture for New York on its state page.
Highland-on-the-Lake and the insurance market
Highland-on-the-Lake's moderate wildfire rating (40th 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.
Lowering exposure, not just insuring around it
Highland-on-the-Lake's 56.8% 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.
Where Highland-on-the-Lake's figures come from
Highland-on-the-Lake's 40th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Highland-on-the-Lake's dominant direct exposure actually means, with real examples from across the dataset.