Lime Lake, NY
Lime Lake wildfire risk explained
USFS's Wildfire Risk to Communities model puts Lime Lake at the 12th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 785 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Lime Lake at the 11th national percentile — 0 points below its risk-to-structures score, a gap driven by how much is actually built there.
Lime Lake's building exposure, zone by zone
55.8% of Lime Lake's 785 buildings sit in USFS's Direct exposure zone, roughly 438 structures close enough to burnable vegetation for flame contact, not just embers — 30.2% fall in the Indirect, ember-only zone and 14% are Minimal.
How Lime Lake compares
Compare Lime Lake's two percentiles: 28th within New York, only 12th nationally — a gap of 17 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Lime Lake ranks 27,896 for wildfire risk (1 is highest) and 13,770 by building count (1 is largest). Within New York alone, it ranks 929 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
Lime Lake's low wildfire rating (12th 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.
Hardening a home in Lime Lake
Because Direct exposure dominates in Lime Lake (55.8%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Lime Lake's figures come from
Every one of the two percentiles behind Lime Lake's 27,896-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Lime Lake's dominant direct exposure actually means, with real examples from across the dataset.