Limestone, NY
How exposed is Limestone to wildfire?
Limestone sits at the 9th 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 293 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Limestone at the 9th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Limestone's buildings actually sit
85.7% of Limestone's 293 buildings sit in USFS's Direct exposure zone, roughly 251 structures close enough to burnable vegetation for flame contact, not just embers — 14.3% fall in the Indirect, ember-only zone and 0% are Minimal.
Limestone against the rest of the country
Limestone's risk sits at a similar level relative to New York (20th percentile statewide) as it does nationally (9th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Limestone ranks 28,750 for wildfire risk (1 is highest) and 21,832 by building count (1 is largest). Within New York alone, it ranks 1,035 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
Limestone's low rating (9th 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
With 85.7% of Limestone 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 Limestone's figures come from
The methodology guide shows exactly how USFS turned 293 counted buildings into the percentiles shown above for Limestone. The exposure-zones guide covers what Limestone's dominant direct exposure actually means, with real examples from across the dataset.