Lake Delta, NY
Lake Delta wildfire risk explained
Lake Delta sits at the 6th percentile nationally for wildfire risk to structures — among the lower wildfire-risk places nationally — per USFS's Wildfire Risk to Communities model, built from its 1,530 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Lake Delta at the 6th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Lake Delta's buildings actually sit
USFS classifies 62.6% of Lake Delta's buildings as Direct exposure, higher than its 35.6% Indirect share and far above its 1.8% Minimal share — a profile where 958 structures sit close enough to vegetation that lot clearing matters most.
Where Lake Delta ranks
Lake Delta scores 6th nationally and 8th within New York — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Lake Delta ranks 29,730 for wildfire risk (1 is highest) and 9,038 by building count (1 is largest). Within New York alone, it ranks 1,182 of 1,289 places by risk. See the full county-by-county picture for New York on its state page.
Lake Delta and the insurance market
Lake Delta's low rating (6th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Lake Delta
Lake Delta's 62.6% 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 Lake Delta's figures come from
Lake Delta's 6th-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 Lake Delta's dominant direct exposure actually means, with real examples from across the dataset.