Loch Sheldrake, NY
How exposed is Loch Sheldrake to wildfire?
Loch Sheldrake sits at the 33rd percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 910 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Loch Sheldrake at the 34th percentile, close to its 33rd-percentile risk score.
Where Loch Sheldrake's buildings actually sit
Direct exposure dominates in Loch Sheldrake: 65.7% of its 910 buildings, versus 33.7% Indirect and 0.6% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where Loch Sheldrake ranks
Within New York, Loch Sheldrake ranks higher (71st percentile) than it does nationally (33rd) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Loch Sheldrake ranks 21,117 for wildfire risk (1 is highest) and 12,639 by building count (1 is largest). Within New York alone, it ranks 373 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
Loch Sheldrake's moderate rating (33rd percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Loch Sheldrake
With 65.7% of Loch Sheldrake 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 Loch Sheldrake's figures come from
Every one of the two percentiles behind Loch Sheldrake's 21,117-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Loch Sheldrake's dominant direct exposure actually means, with real examples from across the dataset.