Lloyd Harbor, NY
How exposed is Lloyd Harbor to wildfire?
USFS scores Lloyd Harbor at the 35th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 1,979 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Lloyd Harbor's burn probability — fire likelihood with no building count factored in — sits at the 34th percentile nationally.
Lloyd Harbor's building exposure, zone by zone
1,979 buildings are counted in Lloyd Harbor, and 98.7% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0.7% rated Minimal.
Where Lloyd Harbor ranks
Within New York, Lloyd Harbor ranks higher (76th percentile) than it does nationally (35th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Lloyd Harbor ranks 20,462 for wildfire risk (1 is highest) and 7,534 by building count (1 is largest). Within New York alone, it ranks 312 of 1,289 places by risk. See the full county-by-county picture for New York on its state page.
Lloyd Harbor and the insurance market
At the 35th national percentile, Lloyd Harbor rates moderate for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
What would actually reduce this score
With 98.7% of Lloyd Harbor 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 Lloyd Harbor's figures come from
Every one of the two percentiles behind Lloyd Harbor's 20,462-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Lloyd Harbor's dominant direct exposure actually means, with real examples from across the dataset.