Lake Katrine, NY
Lake Katrine, NY's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Lake Katrine lands at the 36th percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 741 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Lake Katrine at the 36th national percentile — 0 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
Indirect exposure is dominant in Lake Katrine (53% of 741 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 47% sit in the Direct zone.
Lake Katrine against the rest of the country
Lake Katrine's 78th-percentile standing inside New York outpaces its 36th 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, Lake Katrine ranks 20,111 for wildfire risk (1 is highest) and 14,213 by building count (1 is largest). Within New York alone, it ranks 286 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
Lake Katrine's moderate wildfire rating (36th 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
Lake Katrine's 53% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
Where Lake Katrine's figures come from
Lake Katrine's 36th-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 Katrine's dominant indirect exposure actually means, with real examples from across the dataset.