Lake Luzerne, NY
How exposed is Lake Luzerne to wildfire?
USFS scores Lake Luzerne at the 24th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 1,025 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Lake Luzerne's burn probability — fire likelihood with no building count factored in — sits at the 24th percentile nationally.
What "at risk" means for the buildings here
USFS classifies 85% of Lake Luzerne's buildings as Direct exposure, higher than its 14.9% Indirect share and far above its 0.1% Minimal share — a profile where 871 structures sit close enough to vegetation that lot clearing matters most.
Lake Luzerne against the rest of the country
Within New York, Lake Luzerne ranks higher (51st percentile) than it does nationally (24th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Lake Luzerne ranks 24,025 for wildfire risk (1 is highest) and 11,761 by building count (1 is largest). Within New York alone, it ranks 639 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 Luzerne's moderate rating (24th 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 Luzerne
Because Direct exposure dominates in Lake Luzerne (85%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Lake Luzerne's figures come from
Lake Luzerne's 24th-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 Luzerne's dominant direct exposure actually means, with real examples from across the dataset.