Lake Mohegan, NY
Lake Mohegan wildfire risk explained
USFS scores Lake Mohegan at the 37th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 1,781 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Lake Mohegan at the 36th percentile, close to its 37th-percentile risk score.
Where Lake Mohegan's buildings actually sit
Direct exposure dominates in Lake Mohegan: 52.1% of its 1,781 buildings, versus 47.8% Indirect and 0.1% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
How Lake Mohegan compares
Within New York, Lake Mohegan ranks higher (80th percentile) than it does nationally (37th) — 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 Mohegan ranks 19,858 for wildfire risk (1 is highest) and 8,121 by building count (1 is largest). Within New York alone, it ranks 261 of 1,289 places by risk. See the full county-by-county picture for New York on its state page.
Shopping for coverage in Lake Mohegan
Lake Mohegan's moderate rating (37th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Lake Mohegan's 52.1% 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.
More on how this number was built
The methodology guide shows exactly how USFS turned 1,781 counted buildings into the percentiles shown above for Lake Mohegan. For more on what direct exposure implies beyond Lake Mohegan, see the exposure-zones guide.