Lima, NY
Lima wildfire risk explained
Lima sits at the 4th 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 841 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Lima's burn probability — fire likelihood with no building count factored in — sits at the 4th percentile nationally.
Lima's building exposure, zone by zone
Of Lima's 841 counted buildings, 71.7% carry Direct exposure and only 28.3% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Lima against the rest of the country
Lima scores 4th nationally and 3rd 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, Lima ranks 30,267 for wildfire risk (1 is highest) and 13,242 by building count (1 is largest). Within New York alone, it ranks 1,248 of 1,289 places by risk. See the full county-by-county picture for New York on its state page.
Lima and the insurance market
At the 4th national percentile, Lima rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
With 71.7% of Lima in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Lima's figures come from
Lima's 4th-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 Lima's dominant direct exposure actually means, with real examples from across the dataset.